MONTANA INDEPENDENT BANKERS ASSOCIATION (EIN 810304262) - 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

1967

Legal Domicile

Principal Officer

JAMES E BROWN

Phone

4064497444

Tax Period

2024-01-01 to 2024-12-31

MONTANA INDEPENDENT BANKERS ASSOCIATION, founded in 1967, is a small nonprofit that reported $140K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $22K, a strong 15% operating margin.

Mission

TO PROMOTE COMPETITION AMONG FINANCIAL INSTITUTIONS SO THAT PREMIER FINANCIAL SERVICES ARE MADE AVAILABLE TO OUR CUSTOMERS.

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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 $118,119

Program Service Revenue $0

Investment Income $17,498

Other Revenue $4,079

TOTAL REVENUE $139,696

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $116,070

TOTAL EXPENSES $118,070

Year-over-Year Comparison

	2024	2023	Change
Revenue	$139,696	$127,139	+0.1%
Expenses	$118,070	$136,355	-0.1%
Net Income	$21,626	$-9,216	-3.3%

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

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

$47,167

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHAWN DUTTON	DIRECTOR	4.00	Director	$0	$0	$0
WILLIAM COFFEE	DIRECTOR	4.00	Director	$0	$0	$0
BRICE KLUTH	DIRECTOR	4.00	Director	$0	$0	$0
KENNY MARTIN	ICBA STATE DIRECTOR	4.00	Director	$0	$0	$0
TOM CHRISTNACHT	DIRECTOR	4.00	Director	$0	$0	$0
RYAN FRITZ	DIRECTOR	4.00	Director	$0	$0	$0
DANIEL DAY	DIRECTOR	4.00	Director	$0	$0	$0
JOEL ROSENBERG	DIRECTOR	4.00	Director	$0	$0	$0
MIKE HAWTHORNE	DIRECTOR	4.00	Director	$0	$0	$0
ANDREW WEST	DIRECTOR	4.00	Director	$0	$0	$0
TIM SCHREIBER	IMMEDIATE PAST PRESIDENT	4.00	Officer Director	$0	$0	$0
LOREN BROWN	PRESIDENT	4.00	Officer Director	$0	$0	$0
AMBER BROWN	VICE PRESIDENT	4.00	Officer Director	$0	$0	$0
PHIL WILLETT	DIRECTOR	4.00	Director	$0	$0	$0
CLINTON GERST	SECRETARY	4.00	Officer Director	$0	$0	$0
SCOTT MIZNER	DIRECTOR	4.00	Director	$0	$0	$0
LAURA CLARK	TREASURER	4.00	Officer Director	$0	$0	$0
LOGAN HENSLEY	DIRECTOR	4.00	Director	$0	$0	$0
JAMES BROWN	EXECUTIVE DIRECTOR	20.00	Officer	$47,167	$0	$47,167

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	$139,696	$118,070	$808,985	$21,626
2023	$127,139	$136,355	$726,412	$-9,216
2022	$114,496	$106,748	$722,163	$7,748
2021	$107,352	$130,151	$717,751	$-22,799
2020	$100,665	$97,929	$734,358	$2,736
2019	$87,572	$123,597	$736,840	$-36,025
2018	$93,477	$111,110	$771,168	$-17,633

MONTANA INDEPENDENT BANKERS ASSOCIATION