Oklahoma Bankers Association

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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

1897

Legal Domicile

Phone

4054245252

Tax Period

2023-05-01 to 2024-04-30

Oklahoma Bankers Association, founded in 1897, is a community nonprofit that reported $3.9M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $633K, a strong 16% operating margin.

Mission

WE MAKE BANKERS BETTER AT WHAT THEY DO IN THE BANK EVERY DAY. WE PROVIDE EDUCATION, GOVERNMENT RELATIONS, ASSISTANCE WITH COMPLIANCE, FRAUD ISSUES AND PUBLIC RELATIONS ON BEHALF OF THE INDUSTRY.

Program Service Accomplishments

Program 1

MEMBER EDUCATION PROGRAMS AND MEETINGS

Program 2

INDUSTRY REPRESENTATION AND SUPPORT, INCLUDING THE ADDITION OF THE EMERGING LEADERS PROGRAM. THIS PROGRAM INCLUDES ALL PROGRAMS OTHER THAN EDUCATION AND PRODUCTS AND SERVICES

Program 3

PRODUCTS AND SERVICES

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,485,531

Investment Income $377,129

Other Revenue $620

TOTAL REVENUE $3,863,280

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,451,906

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,386,028

TOTAL EXPENSES $3,230,384

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,863,280	$3,452,219	+0.1%
Expenses	$3,230,384	$3,124,328	+0.0%
Net Income	$632,896	$327,891	+0.9%

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

200

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

$656,827

Total Directors

Key Employees

$185,209

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Alicia Wade	Vice Chair, Board	1.0	Officer Director	$0	$0	$0
Amada Alvidrez	Immed Past Chair, Board	1.0	Officer Director	$0	$0	$0
Bryan Cain	Chair, Board	1.0	Officer Director	$0	$0	$0
Steve Bagwell	1st Vice Chair, Board	1.0	Officer Director	$0	$0	$0
Adam Anderson	Director	0.3	Director	$0	$0	$0
Andrew Wells	Director	0.3	Director	$0	$0	$0
Bert Davison	Director	0.3	Director	$0	$0	$0
Beth Wright	Director	0.3	Director	$0	$0	$0
Bill Fanning	Director	0.3	Director	$0	$0	$0
Debbie Ward	Director	0.3	Director	$0	$0	$0
Frazier Henke	Director	0.3	Director	$0	$0	$0
Gregg Weber	Director	0.3	Director	$0	$0	$0
Julie Stovall	Director	0.3	Director	$0	$0	$0
Leigh-Anne Taylor	Director	0.3	Director	$0	$0	$0
Mark Caldwell	Director	0.3	Director	$0	$0	$0
Matt Jackson	Director	0.3	Director	$0	$0	$0
Nancy Cantu	Director	0.3	Director	$0	$0	$0
Priscilla Cude	Director	0.3	Director	$0	$0	$0
R Keith Mansfield	Director	0.3	Director	$0	$0	$0
Rigo Aranda	Director	0.3	Director	$0	$0	$0
Ryan Quidley	Director	0.3	Director	$0	$0	$0
Ryan Yates	Director	0.3	Director	$0	$0	$0
Sean Kouplen	Director	0.3	Director	$0	$0	$0
Steve Hart	Director	0.3	Director	$0	$0	$0
Ted Cundiff	Director	0.3	Director	$0	$0	$0
Adrian Beverage	CEO/President	40.0	Officer	$334,581	$56,630	$391,211
Lea Ann Jackson	COO/CFO	40.0	Officer	$226,163	$39,453	$265,616
Janis Reeser	EVP, Education	40.0	Key Emp	$161,398	$23,811	$185,209
Elaine Dodd	EVP, Fraud	40.0	Highest	$141,677	$22,236	$163,913
Kathryn Donovan	Director of Accounting	40.0	Highest	$121,868	$21,146	$143,014
Megan McGuire	VP - Govt/Member Relations	40.0	Highest	$109,823	$29,822	$139,645

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
2024	$3,863,280	$3,230,384	$8,000,889	$632,896
2023	$3,452,219	$3,124,328	$7,436,686	$327,891
2022	$3,904,069	$3,181,808	$7,110,372	$722,261
2021	$2,690,477	$2,726,087	$6,648,193	$-35,610
2020	$3,064,555	$3,070,298	$5,839,201	$-5,743
2019	$3,327,053	$3,183,716	$5,838,571	$143,337
2018	$3,120,378	$3,130,917	$6,283,049	$-10,539