FLADT-LEHMAN MEMORIAL TRUST TWO RIVERS BANK & TRUST (EIN 806123483) - 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

2009

Legal Domicile

Phone

3197539136

Tax Period

2024-08-01 to 2025-07-31

FLADT-LEHMAN MEMORIAL TRUST TWO RIVERS BANK & TRUST, founded in 2009, is a small nonprofit in the Religion sector that reported $222K in total revenue in fiscal year 2024. Revenue surged 42% from the prior year, signaling strong growth momentum. The organization ran a surplus of $80K, a strong 36% operating margin.

Mission

TO PROVIDE DIRECT, CASH SUPPORT TO THE MESSIAH LUTHERAN CHURCH, LOCATED IN BURLINGTON, IOWA, TO ASSIST AND ENCOURAGE THE CHURCH TO ADD TO AND MAINTAIN THE REAL PROPERTY AND TANGIBLE PERSONAL PROPERTY USED IN ITS MINISTRIES AND ACTIVITIES.

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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 $0

Program Service Revenue $48,963

Investment Income $172,596

Other Revenue $0

TOTAL REVENUE $221,559

Expense Breakdown

Grants Paid $99,980

Salaries & Benefits $26,799

Fundraising Expenses $0

Program Expenses $141,738

Other Expenses $14,959

TOTAL EXPENSES $141,738

Year-over-Year Comparison

	2024	2023	Change
Revenue	$221,559	$156,049	+0.4%
Expenses	$141,738	$181,768	-0.2%
Net Income	$79,821	$-25,719	-4.1%

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
N/A	TRUSTEE	2.00		$26,799	$0	$26,799

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	$221,559	$141,738	$3,469,966	$79,821
2024	$156,049	$181,768	$3,390,145	$-25,719
2023	$180,967	$183,262	$3,415,864	$-2,295
2022	$156,651	$171,856	$3,418,159	$-15,205
2021	$171,435	$161,469	$3,433,364	$9,966
2020	$177,493	$151,017	$3,423,398	$26,476
2019	$169,174	$170,377	$3,396,922	$-1,203

FLADT-LEHMAN MEMORIAL TRUST TWO RIVERS BANK & TRUST