COMMUNITY BANKERS ASSOC OF OKLAHOMA (EIN 730967145) - 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

1974

Legal Domicile

Principal Officer

CRAIG BUFORD

Phone

4055244122

Tax Period

2024-10-01 to 2025-09-30

COMMUNITY BANKERS ASSOC OF OKLAHOMA, founded in 1974, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Expenses of $1.1M left a modest 12% surplus.

Mission

PROVIDE EDUCATION AND SUPPORT TO THE OKLAHOMA COMMUNITY BANKING INDUSTRY.

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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 $489,390

Program Service Revenue $677,674

Investment Income $48,597

Other Revenue $0

TOTAL REVENUE $1,215,661

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,074,250

TOTAL EXPENSES $1,074,250

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,215,661	$1,203,532	+0.0%
Expenses	$1,074,250	$1,008,328	+0.1%
Net Income	$141,411	$195,204	-0.3%

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

N/A

Volunteers

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRAIG BUFORD	President & CEO	35.00	Officer Director	$0	$0	$0
JACK DICKEY JR	Director	0.00	Director	$0	$0	$0
CURTIS ARMOR	Director	0.00	Director	$0	$0	$0
GREG BOUDREAU	Director	0.00	Director	$0	$0	$0
JAKE CHARNOCK	PAST CHAIRMAN	0.00	Officer Director	$0	$0	$0
A B BAYOUTH JR	Director	0.00	Director	$0	$0	$0
DON ABERNATHY	Director	0.00	Director	$0	$0	$0
JAMES STONER	Chairman	0.00	Officer Director	$0	$0	$0
JESSE CROSS	Director	0.00	Director	$0	$0	$0
JOSH PAPE	CHAIRMAN ELECT	0.00	Officer Director	$0	$0	$0
MICHAEL GEORGE	Director	0.00	Director	$0	$0	$0
ROBIN BANELL	VICE CHAIRMAN	0.00	Officer Director	$0	$0	$0
CHRIS JORDAN	Director	0.00	Director	$0	$0	$0
CHARLES MCCALL III	Director	0.00	Director	$0	$0	$0
ROB CARMACK	Director	0.00	Director	$0	$0	$0
CARL STORM	Director	0.00	Director	$0	$0	$0
ROBERT YOUNG	PAST CHAIRMAN	0.00	Officer Director	$0	$0	$0
RICK HARPER	Director	0.00	Director	$0	$0	$0
MIKE STIDHAM	Director	0.00	Director	$0	$0	$0
TROY APPLING	Director	0.00	Director	$0	$0	$0
RICK HOLDER	Director	0.00	Director	$0	$0	$0
KYLE HUBBARD	Director	0.00	Director	$0	$0	$0
MELISSA HARZMAN	Director	0.00	Director	$0	$0	$0
BRIAN HENDERSON	Treasurer	0.00	Officer Director	$0	$0	$0
JILL CASTILLA	Director	0.00	Director	$0	$0	$0
RYAN WARD	Director	0.00	Director	$0	$0	$0
BARRY ANDERSON	Director	0.00	Director	$0	$0	$0
AMANDA MARTIN	Director	0.00	Director	$0	$0	$0
BILL CROAK	Director	0.00	Director	$0	$0	$0
CHRIS FENTON	Director	0.00	Director	$0	$0	$0
KENTON OWENS	Director	0.00	Director	$0	$0	$0
PAUL FOSTER	EX-OFFICIO DIR	0.00	Director	$0	$0	$0

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	$1,215,661	$1,074,250	$1,697,244	$141,411
2024	$1,203,532	$1,008,328	$1,642,000	$195,204
2023	$1,159,931	$1,014,598	$1,347,397	$145,333
2022	$991,360	$917,230	$1,205,719	$74,130
2021	$946,037	$791,087	$1,123,401	$154,950
2020	$743,133	$662,415	$956,592	$80,718
2019	$969,466	$819,995	$898,861	$149,471

COMMUNITY BANKERS ASSOC OF OKLAHOMA