California Community Banking Network (EIN 823407919) - 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

2017

Legal Domicile

Phone

8006276613

Tax Period

2024-01-01 to 2024-12-31

California Community Banking Network, founded in 2017, is a small nonprofit in the Community Improvement sector that reported $801K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $953K exceeded revenue, resulting in a 19% operating deficit.

Mission

Trade association connecting bankers to other bankers and individuals in the community.

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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 $320,141

Program Service Revenue $471,036

Investment Income $8,829

Other Revenue $1,000

TOTAL REVENUE $801,006

Expense Breakdown

Grants Paid $0

Salaries & Benefits $381,351

Fundraising Expenses $0

Program Expenses $953,285

Other Expenses $571,936

TOTAL EXPENSES $953,287

Year-over-Year Comparison

	2024	2023	Change
Revenue	$801,006	$726,700	+0.1%
Expenses	$953,287	$756,946	+0.3%
Net Income	$-152,281	$-30,246	+4.0%

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

N/A

Employees

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gary Findley	Director	5.00	Director	$0	$0	$0
Gene Micco	Past Chairman	10.00	Director	$0	$0	$0
Kevin Farrenkopf	Secretary	10.00	Officer Director	$0	$0	$0
Tamara Gurney	Director	5.00	Director	$0	$0	$0
Andy Ryback	Chairman	15.00	Director	$0	$0	$0
Jeff DeVine	Chair-Elect	10.00	Director	$0	$0	$0
Ruth Razook	Director	5.00	Director	$0	$0	$0
William Trezza	Director	10.00	Director	$0	$0	$0
David Heald	Director	5.00	Director	$0	$0	$0
Jenniifer Budwig	Director	5.00	Director	$0	$0	$0
Dan Yates	Director	5.00	Director	$0	$0	$0
Stacy Watkins	Director	5.00	Director	$0	$0	$0
Janet Silveria	Director	5.00	Director	$0	$0	$0
Jeff Finck	Director	5.00	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
2025	No data	No data	No data	No data
2024	$801,006	$953,287	$256,935	$-152,281
2023	$726,700	$756,946	$415,538	$-30,246
2023	$726,700	$756,946	$415,538	$-30,246
2022	$678,052	$688,938	$440,885	$-10,886
2021	$717,329	$640,844	$450,496	$76,485

California Community Banking Network