Civic Intelligence

Arkansas Community Bankers Inc

EIN 71-0703256 • 501(c)6 • Little Rock, AR

Profile

Promotion of banking industry information

3801 Woodland Heights Rd Ste 125-gLittle Rock, AR 72212

acbonline.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

25th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Liabilities / Revenue

26th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Net Margin

14th percentile

-12%

Higher net margin than 14% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Asset Growth

29th percentile

-4.0%

Faster asset growth than 29% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Revenue Growth

14th percentile

-13%

Faster revenue growth than 14% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Assets

Down

$550,625

Down $22,997 (-4.0%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Down

$550,625

Down $22,997 (-4.0%) from 2024

Revenue

Down

$185,658

Down $27,228 (-13%) from 2024

Expenses

Up

$208,656

Up $57,181 (+38%) from 2024

Net Income

Down

-$22,998

Down $84,409 (-137%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0Assets 2011: $195,832Liabilities 2011: $158,007Net Assets 2011: $37,8252011Assets 2012: $222,089Liabilities 2012: $172,542Net Assets 2012: $49,5472012Assets 2013: $238,049Liabilities 2013: $112,233Net Assets 2013: $125,8162013Assets 2014: $286,228Liabilities 2014: $109,751Net Assets 2014: $176,4772014Assets 2015: $490,967Liabilities 2015: $219,984Net Assets 2015: $270,9832015Assets 2016: $456,725Liabilities 2016: $79,309Net Assets 2016: $377,4162016Assets 2017: $459,011Liabilities 2017: $78,416Net Assets 2017: $380,5952017Assets 2018: $383,500Liabilities 2018: $63,621Net Assets 2018: $319,8792018Assets 2019: $278,943Liabilities 2019: $27,327Net Assets 2019: $251,6162019Assets 2020: $270,552Liabilities 2020: $0Net Assets 2020: $270,5522020Assets 2021: $325,722Liabilities 2021: $0Net Assets 2021: $325,7222021Assets 2022: $412,778Liabilities 2022: $0Net Assets 2022: $412,7782022Assets 2023: $512,211Liabilities 2023: $0Net Assets 2023: $512,2112023Assets 2024: $573,622Liabilities 2024: $0Net Assets 2024: $573,6222024Assets 2025: $550,625Liabilities 2025: $0Net Assets 2025: $550,6252025

Highlighted filing

2025

Assets$550,625
Liabilities$0
Net Assets$550,625

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0-$100KRevenue 2011: $80,262Expenses 2011: $72,782Net Income 2011: $7,4802011Revenue 2012: $72,365Expenses 2012: $60,644Net Income 2012: $11,7212012Revenue 2013: $163,584Expenses 2013: $87,313Net Income 2013: $76,2712013Revenue 2014: $126,286Expenses 2014: $75,623Net Income 2014: $50,6632014Revenue 2015: $149,991Expenses 2015: $55,488Net Income 2015: $94,5032015Revenue 2016: $187,111Expenses 2016: $80,678Net Income 2016: $106,4332016Revenue 2017: $207,186Expenses 2017: $204,006Net Income 2017: $3,1802017Revenue 2018: $176,462Expenses 2018: $237,180Net Income 2018: -$60,7182018Revenue 2019: $181,804Expenses 2019: $250,067Net Income 2019: -$68,2632019Revenue 2020: $174,842Expenses 2020: $155,906Net Income 2020: $18,9362020Revenue 2021: $188,093Expenses 2021: $132,923Net Income 2021: $55,1702021Revenue 2022: $186,897Expenses 2022: $99,841Net Income 2022: $87,0562022Revenue 2023: $222,460Expenses 2023: $123,027Net Income 2023: $99,4332023Revenue 2024: $212,886Expenses 2024: $151,475Net Income 2024: $61,4112024Revenue 2025: $185,658Expenses 2025: $208,656Net Income 2025: -$22,9982025

Highlighted filing

2025

Revenue$185,658
Expenses$208,656
Net Income-$22,998

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$5.51$0.00$5.51$1.86$2.09$0.23
2024Detailed filing. Detailed filing data is available for this year.$5.74$0.00$5.74$2.13$1.51$0.61
2023Detailed filing. Detailed filing data is available for this year.$5.12$0.00$5.12$2.22$1.23$0.99
2022Detailed filing. Detailed filing data is available for this year.$4.13$0.00$4.13$1.87$1.00$0.87
2021Detailed filing. Detailed filing data is available for this year.$3.26$0.00$3.26$1.88$1.33$0.55
2020Detailed filing. Detailed filing data is available for this year.$2.71$0.00$2.71$1.75$1.56$0.19
2019Detailed filing. Detailed filing data is available for this year.$2.79$0.27$2.52$1.82$2.50$0.68
2018Detailed filing. Detailed filing data is available for this year.$3.84$0.64$3.20$1.76$2.37$0.61
2017Detailed filing. Detailed filing data is available for this year.$4.59$0.78$3.81$2.07$2.04$0.03
2016Detailed filing. Detailed filing data is available for this year.$4.57$0.79$3.77$1.87$0.81$1.06
2015Detailed filing. Detailed filing data is available for this year.$4.91$2.20$2.71$1.50$0.55$0.95
2014Detailed filing. Detailed filing data is available for this year.$2.86$1.10$1.76$1.26$0.76$0.51
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.38$1.12$1.26$1.64$0.87$0.76
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.22$1.73$0.50$0.72$0.61$0.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.96$1.58$0.38$0.80$0.73$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jun 1, 2024 to May 31, 2025
Signed
Feb 24, 2025
Return Version
2024v5.0
Gross Receipts
$185,658
Mission and Program Overview

Mission

Promotion of banking industry information

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$573,622$550,625▼ $22,997
Cash and Non-Interest-Bearing Accounts$305,724$291,553▼ $14,171
Other Notes and Loans Receivable, Net$42,777$42,777→ $0
Land, Buildings, and Equipment, Net$283$94▼ $189
Total Assets$573,622$550,625▼ $22,997
Other Assets Total$224,838$216,201▼ $8,637
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$573,622$550,625▼ $22,997
Total Liabilities and Net Assets / Fund Balance$573,622$550,625▼ $22,997

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$94$18,133$18,227
Other Assets Org$450--
Compensation and Service Providers

Board Members and Trustees

NameTitle
John BellerPresident
Byron EarnheartDirector
Casey CullipherDirector
Craig ManattDirector
David ScruggsDirector
Gary OltmannDirector
Jim Gowen JrDirector
Kim MarklandDirector
Landi MkhizeDirector
Michelle ReesorDirector
Rebekah BiernackiDirector
Chris PadgettExecutive Di
Gary HeadPast Preside
Marty SellarsSecretary
Ed WilkinsonTreasurer
Kyle BaltzVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$64,302
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$121,356
Change in Net Assets
$-22,998
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$208,656
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$20,146
Travel---$16,215
All Other Expenses---$14,335
Other Expenses---$9,220
Fees for Services Accounting---$7,917
Insurance---$316
Depreciation Depletion---$189
Advertising---$125
Total Functional Expenses$0$0$0$208,656
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

Executive director reveiws return before it is filed.

Form 990, Page 6, Part VI, Line 19

No documents available to the public

Filing and Contact Details

Filer

Filer Name
Arkansas Community Bankers Inc
EIN
71-0703256
Phone
8007711634
Address
3801 WOODLAND HEIGHTS RD STE 125-G, LITTLE ROCK, AR 72212

Signing Officer

Name
Chris Padgett
Title
Executive Director
Phone
5012464975
Signed
2025-02-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chris Padgett
Voting Board Members
15
Independent Board Members
15
Employees
0

Preparer

Firm
Ellis Tucker & Aldridge Llp
Address
200 W MAIN ST, CABOT, AR 72023-2945
Preparer
Jeffery L Green CPA
Phone
5018436515
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Book / tax depreciation difference 1

Raw XML Appendix326 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/AllOtherExpensesGrp/TotalAmt014335
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IRS990/BooksInCareOfDetail/PersonNm0CHRIS PADGETT
IRS990/BooksInCareOfDetail/PhoneNum05012464975
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03801 WOODLAND HEIGHTS RD STE 125-G
IRS990/BooksInCareOfDetail/USAddress/CityNm0LITTLE ROCK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AR
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IRS990/DepreciationDepletionGrp/TotalAmt0189
IRS990/Desc0THE PROMOTION AND AVAILABILITY OF BANKING INDUSTRY INFORMATION THROUGHOUT ARKANSAS' INDEPENDENT COMMUNITY BANKS THROUGH EDUCATIONAL SEMINARS, MARKET RESEARCH AND SPECIAL PROJECTS.
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IRS990/Form990PartVIISectionAGrp/PersonNm11MICHELLE REESOR
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IRS990/Form990PartVIISectionAGrp/PersonNm13MARTY SELLARS
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IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PAST PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt14TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt15EXECUTIVE DI
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXECUTIVE DIRECTOR REVEIWS RETURN BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOOK / TAX DEPRECIATION DIFFERENCE 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART XI, LINE 9
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IRS990/TotalAssetsBOYAmt0573622
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0208656
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt00
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0550625
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0121356
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0185658
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0573622
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0550625
IRS990/TravelGrp/TotalAmt016215
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03801 WOODLAND HEIGHTS RD STE 125-G
IRS990/USAddress/CityNm0LITTLE ROCK
IRS990/USAddress/StateAbbreviationCd0AR
IRS990/USAddress/ZIPCd072212
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IRS990/VotingMembersIndependentCnt015
IRS990/WebsiteAddressTxt0ACBONLINE.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRIS PADGETT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05012464975
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-02-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ARKANSAS COMMUNITY BANKERS INC
ReturnHeader/Filer/BusinessNameControlTxt0ARKA
ReturnHeader/Filer/EIN0710703256
ReturnHeader/Filer/PhoneNum08007711634
ReturnHeader/Filer/USAddress/AddressLine1Txt03801 WOODLAND HEIGHTS RD STE 125-G
ReturnHeader/Filer/USAddress/CityNm0LITTLE ROCK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AR
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0710436076
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ELLIS TUCKER & ALDRIDGE LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0200 W MAIN ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CABOT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0720232945
ReturnHeader/PreparerPersonGrp/PhoneNum05018436515
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEFFERY L GREEN CPA
ReturnHeader/ReturnTs02026-02-25T18:05:36-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-06-01
ReturnHeader/TaxPeriodEndDt02025-05-31
ReturnHeader/TaxYr02024

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