MONTANA BANKERS ASSOCIATION (EIN 810169164) - 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

SAM SILL

Phone

4064414703

Tax Period

2023-07-01 to 2024-06-30

MONTANA BANKERS ASSOCIATION, founded in 1974, is a small nonprofit that reported $765K in total revenue in fiscal year 2023. Expenses of $730K left a modest 5% surplus.

Mission

ENRICHING THE LIVES OF ALL MONTANANS THROUGH STRONG COMMUNITY-FOCUSED BANKS.

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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 $388,652

Program Service Revenue $338,141

Investment Income $38,108

Other Revenue $0

TOTAL REVENUE $764,901

Expense Breakdown

Grants Paid $10,100

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $719,964

TOTAL EXPENSES $730,064

Year-over-Year Comparison

	2023	2022	Change
Revenue	$764,901	$745,510	+0.0%
Expenses	$730,064	$691,280	+0.1%
Net Income	$34,837	$54,230	-0.4%

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

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

$234,254

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLIE PIPAL	SECRETARY/TREASURER	2.00	Director	$0	$0	$0
SCOTT KLEIN	DIRECTOR	2.00	Director	$0	$0	$0
ALLEN MCCORMICK	DIRECTOR	2.00	Director	$0	$0	$0
CHUCK EBLE	DIRECTOR	2.00	Director	$0	$0	$0
JENNY NYRGREN	DIRECTOR	2.00	Director	$0	$0	$0
KC HICKOK	CHAIR	2.00	Officer Director	$0	$0	$0
MIKE SEPPALA	IMMEDIATE PAST CHAIR	2.00	Officer Director	$0	$0	$0
ROBYN BARTA	DIRECTOR	2.00	Director	$0	$0	$0
RON O'DONNELL	DIRECTOR	2.00	Officer Director	$0	$0	$0
SARAH JONES	DIRECTOR	2.00	Director	$0	$0	$0
TOM SEVERSON	VICE CHAIR	2.00	Officer Director	$0	$0	$0
CARY HEGREBERG	PRESIDENT/CEO	20.00	Officer	$0	$23,608	$161,777
SAMUEL SILL	PRESIDENT/CEO	20.00	Officer	$0	$16,088	$72,477

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	No data	No data	No data	No data
2024	$764,901	$730,064	$4,796,862	$34,837
2023	$745,510	$691,280	$4,287,119	$54,230
2022	$730,559	$664,455	$3,937,615	$66,104
2021	$597,289	$493,109	$4,037,278	$104,180
2020	$603,045	$639,615	$3,312,164	$-36,570
2019	$724,070	$786,640	$3,634,824	$-62,570

MONTANA BANKERS ASSOCIATION