Tennessee Bankers Association Inc (EIN 620379580) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1890

Legal Domicile

Phone

6152444871

Tax Period

2024-05-01 to 2025-04-30

Tennessee Bankers Association Inc, founded in 1890, is a community nonprofit that reported $6.9M in total revenue in fiscal year 2024. Expenses of $6.6M left a modest 4% surplus.

Mission

A TRADE ASSOCIATION ORGANIZED TO ASSIST, INFORM, & EDUCATE ITS MEMBERS WHO CONSIST OF COMMERCIAL BANKS, THRIFT INSTITUTIONS, & TRUST COMPANIES IN TENNESSEE.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $252,900

Program Service Revenue $5,563,691

Investment Income $579,651

Other Revenue $494,747

TOTAL REVENUE $6,890,989

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,858,665

Fundraising Expenses $0

Program Expenses $0

Other Expenses $3,767,246

TOTAL EXPENSES $6,625,911

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,890,989	$6,910,744	0.0%
Expenses	$6,625,911	$6,595,441	+0.0%
Net Income	$265,078	$315,303	-0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

405

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$797,986

Total Directors

$555,068

Key Employees

$305,190

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COLLIN B BARRETT	PRESIDENT	31.0	Officer Director	$448,941	$106,127	$555,068
GAY DEMPSEY	VICE-CHAIRMAN	1.0	Officer Director	$0	$0	$0
GENE HENSON	CHAIRMAN-ELECT	1.0	Officer Director	$0	$0	$0
JAMES H RIENIETS JR	IMMEDIATE PAST CHAIRMAN	1.0	Officer Director	$0	$0	$0
WILLIAM Y CARROLL JR	CHAIRMAN	1.0	Officer Director	$0	$0	$0
ADAM ROBERTSON	DIRECTOR (ENDED 10/24)	1.0	Director	$0	$0	$0
ALLEN MCCLARY	DIRECTOR	1.0	Director	$0	$0	$0
Andrea Browning	DIRECTOR (BEGAN 10/24)	1.0	Director	$0	$0	$0
CHARLIE KOON	DIRECTOR (BEGAN 01/25)	1.0	Director	$0	$0	$0
CHRIS REECE	DIRECTOR	1.0	Director	$0	$0	$0
Coty Grissom	DIRECTOR (BEGAN 4/25)	1.0	Director	$0	$0	$0
Dana Parkinson	DIRECTOR (Began 10/24 Resigned 01/25)	1.0	Director	$0	$0	$0
DAVID BRIGGS	DIRECTOR	1.0	Director	$0	$0	$0
H MCCALL WILSON JR	DIRECTOR	1.0	Director	$0	$0	$0
JAY ENGLAND	DIRECTOR	1.0	Director	$0	$0	$0
JENNIFER BAKER	DIRECTOR (Ended 10/24)	1.0	Director	$0	$0	$0
JOHN BARKER	DIRECTOR	1.0	Director	$0	$0	$0
JOHN SEIBER	DIRECTOR (ENDED 4/25)	1.0	Director	$0	$0	$0
Johnny Moore	DIRECTOR	1.0	Director	$0	$0	$0
JUDY LONG	DIRECTOR	1.0	Director	$0	$0	$0
LEE BLANK	DIRECTOR	1.0	Director	$0	$0	$0
MARTIN HAGGARD	DIRECTOR	1.0	Director	$0	$0	$0
MARY CAMPBELL-WEDDINGTON	DIRECTOR (BEGAN 01/25)	1.0	Director	$0	$0	$0
Michael D Graves	DIRECTOR (Began 10/24)	1.0	Director	$0	$0	$0
Mike Rowland	DIRECTOR	1.0	Director	$0	$0	$0
ROB BARGER	DIRECTOR	1.0	Director	$0	$0	$0
ROB MALIN	DIRECTOR (ENDED 10/24)	1.0	Director	$0	$0	$0
SCOTT COCANOUGHER	DIRECTOR	1.0	Director	$0	$0	$0
TED WILLIAMS	DIRECTOR (ENDED 1/25)	1.0	Director	$0	$0	$0
Will Barrett	DIRECTOR	1.0	Director	$0	$0	$0
WRIGHT COX	DIRECTOR	1.0	Director	$0	$0	$0
ANGELA D GRIFFIN	EXECUTIVE VP/CFO/TREASURER	25.0	Officer	$178,503	$64,415	$242,918
AMY HEASLET	EXECUTIVE VP & GENERAL COUNSEL	36.0	Key Emp	$243,208	$61,982	$305,190
PENNY L POWLAS	SENIOR VP OF ADMINISTRATION	40.0	Highest	$109,656	$19,623	$129,279
Sharon Justice-McCray	Senior Vice President of Human Resources and Facilities	40.0	Highest	$103,365	$34,725	$138,090
STACEY LANGFORD	EVP/COO	40.0	Highest	$182,222	$51,088	$233,310
STEVE CURTIS	SVP OF INFORMATION TECHNOLOGY	40.0	Highest	$151,728	$22,353	$174,081

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$6,890,989	$6,625,911	$23,481,171	$265,078
2024	$6,910,744	$6,595,441	$22,563,945	$315,303
2023	$6,457,795	$6,217,289	$21,359,760	$240,506
2022	$6,097,018	$5,741,363	$20,990,156	$355,655
2021	$4,321,059	$4,023,858	$20,731,269	$297,201
2020	$5,499,485	$5,324,181	$17,603,602	$175,304
2019	$5,895,548	$5,496,372	$17,828,839	$399,176

Tennessee Bankers Association Inc