INDEPENDENT BANKERS ASSOCIATION OF TEXAS

EIN: 751459906

AUSTIN, TX

Total Revenue
$4,986,377
Total Expenses
$5,114,196
Total Assets
$6,833,294
Net Assets
$5,268,683
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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
TX
Principal Officer
CHRISTOPHER WILLISTON VI
Phone
5124746889
Tax Period
2023-01-01 to 2023-12-31

INDEPENDENT BANKERS ASSOCIATION OF TEXAS, founded in 1974, is a community nonprofit that reported $5.0M in total revenue in fiscal year 2023.

Mission

PROMOTE AND PROTECT THE INTEREST OF INDEPENDENT BANKING.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $709,419
Program Service Revenue $3,160,730
Investment Income $9,893
Other Revenue $1,106,335
TOTAL REVENUE $4,986,377

Expense Breakdown

Grants Paid $0
Salaries & Benefits $2,789,049
Fundraising Expenses $0
Other Expenses $2,325,147
TOTAL EXPENSES $5,114,196

Year-over-Year Comparison

2023 2022 Change
Revenue $4,986,377 $5,246,047 0.0%
Expenses $5,114,196 $5,801,593 -0.1%
Net Income $-127,819 $-555,546 -0.8%
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

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Governance

Voting Members
43
Independent Members
43
Employees
31
Volunteers
108

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
10
$631,472
Total Directors
55
$0
Key Employees
5
$1,281,374
Highest Compensated
4
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
CHRISTOPHER WILLISTON VI PRESIDENT & 38.00
Officer
$309,590 $47,792 $395,720
URSULA JIMENEZ DIRECTOR OF 38.00
Officer
$187,667 $37,756 $235,752
STEPHEN SCURLOCK DIR OF GOV R 40.00
Key Emp
$253,172 $46,784 $299,956
CURTIS NELSON DIR OF MEMBE 40.00
Key Emp
$214,752 $46,002 $260,754
JULIE COURTNEY PRESIDENT, I 7.00
Key Emp
$19,512 $47,484 $251,845
CHRISTY BUSSEY DIR OF GROWT 33.00
Key Emp
$185,494 $26,959 $253,585
WENDY FOSTER ASSOC. DIR O 40.00
Highest
$146,863 $26,864 $173,727
MATTHEW SMITH DIR. OF INNO 13.20
Key Emp
$55,909 $29,752 $215,234
ALINA GREAVU DIR OF OPERA 40.00
Highest
$129,671 $21,487 $151,158
KELLY GOULART REG COMPLIAN 40.00
Highest
$125,944 $18,259 $144,203
APRYL SALAZAR COMPLIANCE P 8.00
Highest
$25,367 $21,026 $147,862
KYLE IRWIN IMM PAST CH 3.00
Officer Director
$0 $0 $0
KYLE IRWIN CHAIR (01-09 1.00
Officer Director
$0 $0 $0
CHRISTOPHER C DOYLE CHAIR (09-12 1.00
Officer Director
$0 $0 $0
TRACY HARRIS CHAIRMAN-ELE 1.00
Officer Director
$0 $0 $0
MATTHEW A CRABLE CHAIR-LEADER 1.00
Officer Director
$0 $0 $0
KEVIN MONK FDN CHAIR (0 1.00
Officer Director
$0 $0 $0
MICHAEL SCAIEF TREAS/SEC 1.00
Officer Director
$0 $0 $0
BRADLEY H TIDWELL PAST CHAIR 1.00
Officer Director
$0 $0 $0
HAZEM AHMED DIRECTOR (01 1.00
Director
$0 $0 $0
JOHN DAVID BAKER DIRECTOR 1.00
Director
$0 $0 $0
KELLY BARCLAY DIRECTOR (01 1.00
Director
$0 $0 $0
BYRON BEXLEY DIRECTOR 1.00
Director
$0 $0 $0
JOE BURNETT DIRECTOR 1.00
Director
$0 $0 $0
THOMAS H CANFIELD JR DIRECTOR 1.00
Director
$0 $0 $0
CHET CLAYTON DIRECTOR 1.00
Director
$0 $0 $0
DAVID DEANDA JR DIRECTOR (09 1.00
Director
$0 $0 $0
JAMES DREIBELBIS DIRECTOR 1.00
Director
$0 $0 $0
MIKE FERNANDEZ DIRECTOR 1.00
Director
$0 $0 $0
CORY FLENCHER DIRECTOR (01 1.00
Director
$0 $0 $0
DAN FRANK DIRECTOR 1.00
Director
$0 $0 $0
BARRY GOBER DIRECTOR 1.00
Director
$0 $0 $0
GABRIEL GUERRA DIRECTOR 1.00
Director
$0 $0 $0
JAMES DOAK HARTLEY DIRECTOR 1.00
Director
$0 $0 $0
SCOTT HEITKAMP DIRECTOR 1.00
Director
$0 $0 $0
RUSSELL HITT DIRECTOR 1.00
Director
$0 $0 $0
RICK JAMIESON DIRECTOR (09 1.00
Director
$0 $0 $0
DAVID KAPAVIK DIRECTOR (09 1.00
Director
$0 $0 $0
SLOAN KUEHL DIRECTOR 1.00
Director
$0 $0 $0
RICKY D LEAL DIRECTOR 1.00
Director
$0 $0 $0
JODY LEE DIRECTOR 1.00
Director
$0 $0 $0
FORREST LLOYD DIRECTOR 1.00
Director
$0 $0 $0
CINDY MANTHEY DIRECTOR (09 1.00
Director
$0 $0 $0
BRETT MCDOWELL DIRECTOR (09 1.00
Director
$0 $0 $0
WILL MILLER DIRECTOR 1.00
Director
$0 $0 $0
RONNIE MILLER DIRECTOR (01 1.00
Director
$0 $0 $0
MIKE MURPHY DIRECTOR (01 1.00
Director
$0 $0 $0
CORY NEWSOM DIRECTOR (01 1.00
Director
$0 $0 $0
SAM NUNN DIRECTOR 1.00
Director
$0 $0 $0
TIM O'BRIEN DIRECTOR (01 1.00
Director
$0 $0 $0
STEVE RETZLOFF DIRECTOR (01 1.00
Director
$0 $0 $0
MARTY RIVERS DIRECTOR 1.00
Director
$0 $0 $0
RODNEY RUTHART DIRECTOR (01 1.00
Director
$0 $0 $0
LEANN SANCHEZ DIRECTOR 1.00
Director
$0 $0 $0
RICHARD SCANIO DIRECTOR 1.00
Director
$0 $0 $0
LESLIE SEDLOCK DIRECTOR (09 1.00
Director
$0 $0 $0
THOMAS SELLERS DIRECTOR 1.00
Director
$0 $0 $0
KATHY SMITH DIRECTOR 1.00
Director
$0 $0 $0
KINNAN STOCKTON DIRECTOR (01 1.00
Director
$0 $0 $0
ROBERT TEMPLE DIRECTOR (01 1.00
Director
$0 $0 $0
ROY THOMPSON DIRECTOR 1.00
Director
$0 $0 $0
ROBERT UPCHURCH III DIRECTOR (09 1.00
Director
$0 $0 $0
CHRISTINE WEINZAPFEL DIRECTOR 1.00
Director
$0 $0 $0
REED WILLIAMS DIRECTOR 1.00
Director
$0 $0 $0
ROGER WILLIAMS DIRECTOR 1.00
Director
$0 $0 $0
GREG WILSON DIRECTOR 1.00
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
2024 No data No data No data No data
2023 $4,986,377 $5,114,196 $6,833,294 $-127,819
2022 $5,246,047 $5,801,593 $6,714,715 $-555,546
2021 $5,511,793 $4,897,039 $7,396,649 $614,754
2020 $4,339,916 $3,825,595 $6,294,232 $514,321
2019 $4,675,058 $4,896,933 $5,533,205 $-221,875
2018 $4,809,887 $5,329,201 $5,753,083 $-519,314
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