MONTANA 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

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.

Program Service Accomplishments

Program 1

EDUCATIONAL CONFERENCES FOR MEMBERS - ONE OF THE MONTANA BANKERSASSOCIATION'S MAJOR MISSIONS IS TO ENHANCE THE ROLE OF COMMUNITY BANKSAS PREEMINENT PROVIDERS OF FINANCIAL SERVICES THROUGH...

EDUCATIONAL CONFERENCES FOR MEMBERS - ONE OF THE MONTANA BANKERSASSOCIATION'S MAJOR MISSIONS IS TO ENHANCE THE ROLE OF COMMUNITY BANKSAS PREEMINENT PROVIDERS OF FINANCIAL SERVICES THROUGH EDUCATIONPROGRAMS.TO MEET CONTINUING CHANGING MEMBER NEEDS FOR TRAINING AND PROFESSIONALANNUAL CONVENTION FOR MEMBERS - AS STATED IN THE ASSOCIATION'S BYLAWS,DEVELOPMENT, THE MONTANA BANKERS ASSOCIATION PROVIDES A VARIETY OFEDUCATION OPPORTUNITIES FOR MEMBER BANKS AND THEIR EMPLOYEES TO IMPROVEBANK PERFORMANCE BY ENHANCING THEIR DIRECTORS', MANAGERS', ANDEMPLOYEES' KNOWLEDGE AND SKILLS. MONTANA BANKERS ASSOCIATION EDUCATIONCONFERENCES PROVIDE TRAINING IN ALL KEY AREAS OF BANKING, WITH QUALITYCONTENT DEVELOPED BY LEADING INDUSTRY EXPERTS AND DELIVERED THROUGHSEVERAL CHANNELS INCLUDING FACE-TO-FACE, E-LEARNING, WEB-BASED AND TELEPHONE CONFERENCE PROGRAMS.

Program 2

ANNUAL CONVENTION FOR MEMBERS - AS STATED IN THE ASSOCIATION'S BYLAWS,"THE (ASSOCIATION'S) PURPOSE, SHALL BE TO PROMOTE THE GENERAL WELFAREAND USEFULNESS OF THE BANKING INDUSTRY IN MONTANA: TO...

ANNUAL CONVENTION FOR MEMBERS - AS STATED IN THE ASSOCIATION'S BYLAWS,"THE (ASSOCIATION'S) PURPOSE, SHALL BE TO PROMOTE THE GENERAL WELFAREAND USEFULNESS OF THE BANKING INDUSTRY IN MONTANA: TO GIVEOPPORTUNITIES FOR OPEN DISCUSSION AND LAWFUL INTERCHANGE OF INFORMATIONABOUT ALL FACETS OF THE BANKING INDUSTRY IN MONTANA; TO ACCUMULATE ANDGIVE INFORMATION ABOUT THE BANKING INDUSTRY."THE ANNUAL CONVENTION IS THE MAJOR EVENT TO GATHER MEMBERS TOGETHER TOMEET FOR THE ASSOCIATION'S ABOVE REFERENCED PURPOSES AS WELL AS TOSATISFY THE REQUIREMENT FOR THE ANNUAL MEMBERSHIP MEETING. AT THEANNUAL MEETING THE ASSOCIATION'S OFFICERS REPORT TO THE MEMBERSHIP THEASSOCIATION'S ACTIVITIES AND FINANCES FOR THE PAST YEAR AND PROPOSEDPLAN FOR THE UPCOMING YEAR AND GAIN MEMBER INPUT FOR THE ASSOCATION'S 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 (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