Civic Intelligence

Texas Bankers Association

EIN 75-0602235 • 501(c)6 • Austin, TX

Profile

The mission of the texas bankers association is to meet the growing needs of our members with education, information, and advocacy.

203 West 10th StreetAustin, TX 78701

www.texasbankers.com

Siviq Scores

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

Liabilities / Assets

89th percentile

0.65x

Higher debt load relative to assets than 89% of similar nonprofits.

501(c)6 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

96th percentile

3.13x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)6 • $25M-$50M nonprofits • Source year 2025

Net Margin

8th percentile

-15%

Higher net margin than 8% of similar nonprofits.

501(c)6 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

71st percentile

$861,668

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 9.3% of source-year revenue.

501(c)6 • $25M-$50M nonprofits • Source year 2025

Asset Growth

47th percentile

6.8%

Faster asset growth than 47% of similar nonprofits.

501(c)6 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

10th percentile

-8.0%

Faster revenue growth than 10% of similar nonprofits.

501(c)6 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Assets

Up

$44,606,890

Up $2,833,043 (+6.8%) from 2024

Liabilities

Up

$29,132,513

Up $3,254,169 (+13%) from 2024

Net Assets

Down

$15,474,377

Down $421,126 (-2.6%) from 2024

Revenue

Down

$9,312,328

Down $808,999 (-8.0%) from 2024

Expenses

Up

$10,746,546

Up $113,840 (+1.1%) from 2024

Net Income

Down

-$1,434,218

Down $922,839 (-180%) from 2024

Trend Graphs

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2011: $9,804,860Liabilities 2011: $2,508,172Net Assets 2011: $7,296,6882011Assets 2012: $10,626,606Liabilities 2012: $2,991,178Net Assets 2012: $7,635,4282012Assets 2013: $11,548,125Liabilities 2013: $2,783,747Net Assets 2013: $8,764,3782013Assets 2014: $12,909,684Liabilities 2014: $2,837,077Net Assets 2014: $10,072,6072014Assets 2015: $14,919,526Liabilities 2015: $3,411,082Net Assets 2015: $11,508,4442015Assets 2016: $16,825,479Liabilities 2016: $3,911,091Net Assets 2016: $12,914,3882016Assets 2017: $17,711,840Liabilities 2017: $4,338,306Net Assets 2017: $13,373,5342017Assets 2018: $17,973,232Liabilities 2018: $4,342,391Net Assets 2018: $13,630,8412018Assets 2019: $19,222,346Liabilities 2019: $5,111,090Net Assets 2019: $14,111,2562019Assets 2020: $17,374,066Liabilities 2020: $3,042,900Net Assets 2020: $14,331,1662020Assets 2021: $18,453,085Liabilities 2021: $3,605,382Net Assets 2021: $14,847,7032021Assets 2022: $29,127,060Liabilities 2022: $13,646,808Net Assets 2022: $15,480,2522022Assets 2023: $41,820,110Liabilities 2023: $25,883,156Net Assets 2023: $15,936,9542023Assets 2024: $41,773,847Liabilities 2024: $25,878,344Net Assets 2024: $15,895,5032024Assets 2025: $44,606,890Liabilities 2025: $29,132,513Net Assets 2025: $15,474,3772025

Highlighted filing

2025

Assets$44,606,890
Liabilities$29,132,513
Net Assets$15,474,377

Operations Trend

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

$15M$10M$5.0M$0-$5.0MExpenses 2011: $9,110,8242011Expenses 2012: $8,830,1152012Expenses 2013: $8,925,3732013Revenue 2014: $10,197,400Expenses 2014: $9,380,158Net Income 2014: $817,2422014Revenue 2015: $10,729,147Expenses 2015: $9,652,593Net Income 2015: $1,076,5542015Revenue 2016: $11,037,227Expenses 2016: $10,095,067Net Income 2016: $942,1602016Revenue 2017: $10,180,886Expenses 2017: $9,828,060Net Income 2017: $352,8262017Revenue 2018: $9,389,041Expenses 2018: $9,394,731Net Income 2018: -$5,6902018Revenue 2019: $9,669,438Expenses 2019: $9,591,599Net Income 2019: $77,8392019Revenue 2020: $8,357,655Expenses 2020: $8,443,991Net Income 2020: -$86,3362020Revenue 2021: $7,192,533Expenses 2021: $7,596,802Net Income 2021: -$404,2692021Revenue 2022: $9,869,075Expenses 2022: $9,873,673Net Income 2022: -$4,5982022Revenue 2023: $10,180,056Expenses 2023: $9,906,292Net Income 2023: $273,7642023Revenue 2024: $10,121,327Expenses 2024: $10,632,706Net Income 2024: -$511,3792024Revenue 2025: $9,312,328Expenses 2025: $10,746,546Net Income 2025: -$1,434,2182025

Highlighted filing

2025

Revenue$9,312,328
Expenses$10,746,546
Net Income-$1,434,218

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.6$29.1$15.5$9.31$10.7$1.43
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.8$25.9$15.9$10.1$10.6$0.51
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.8$25.9$15.9$10.2$9.91$0.27
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.1$13.6$15.5$9.87$9.87$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.5$3.61$14.8$7.19$7.60$0.40
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.4$3.04$14.3$8.36$8.44$0.09
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.2$5.11$14.1$9.67$9.59$0.08
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.0$4.34$13.6$9.39$9.39$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.7$4.34$13.4$10.2$9.83$0.35
2016Detailed filing. Detailed filing data is available for this year.$16.8$3.91$12.9$11.0$10.1$0.94
2015Detailed filing. Detailed filing data is available for this year.$14.9$3.41$11.5$10.7$9.65$1.08
2014Detailed filing. Detailed filing data is available for this year.$12.9$2.84$10.1$10.2$9.38$0.82
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.5$2.78$8.76$8.93
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.6$2.99$7.64$8.83
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.80$2.51$7.30$9.11
Latest Detailed Filing

The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jun 1, 2018 to May 31, 2019
Signed
Oct 10, 2019
Return Version
2018v3.1
Gross Receipts
$9,679,115
Mission and Program Overview

Mission

The mission of the texas bankers association is to meet the growing needs of our members with education, information, and advocacy.

Our mission is to meet the needs of our members with education, information, and advocacy.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$7,499,666$8,041,637▲ $541,971
Cash and Non-Interest-Bearing Accounts$4,669,474$4,893,524▲ $224,050
Savings and Temporary Cash Investments$3,499,997$3,499,997→ $0
Accounts Receivable$1,063,606$1,659,285▲ $595,679
Land, Buildings, and Equipment, Net$940,318$816,103▼ $124,215
Prepaid Expenses and Deferred Charges$228,705$248,367▲ $19,662
Inventories for Sale or Use$4,301$3,800▼ $501
Receivables From Officers Etc$10,043$2,511▼ $7,532
Total Assets$17,973,232$19,222,346▲ $1,249,114
Other Assets Total$57,122$57,122→ $0
Liabilities
Deferred Revenue$2,534,354$2,856,493▲ $322,139
Accounts Payable and Accrued Expenses$1,808,037$2,254,597▲ $446,560
Total Liabilities$4,342,391$5,111,090▲ $768,699
Net Assets / Fund Balance
Unrestricted Net Assets$13,630,841$14,111,256▲ $480,415
Total Net Assets Fund Balance$13,630,841$14,111,256▲ $480,415
Total Liabilities and Net Assets / Fund Balance$17,973,232$19,222,346▲ $1,249,114

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$226,787$1,803,144$2,029,931
Equipment$132,246$1,022,468$1,154,714
Land$399,370-$399,370
Other Land Buildings$57,700$282,126$339,826
Other Securities$130,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
John M HeasleyOfficerFT$250,103$185,354$435,457
Christopher J FurlowPresident & CEOFT$368,076$48,883$416,959
Olivia Carmichael SolisStaffFT$112,613$166,515$279,128
James Sandberg JrPrior President & CEOPT$197,613$42,347$239,960
John R BriganceStaffFT$175,604$51,844$227,448
Heather RuschitzkoStaffFT$158,569$63,023$221,592
Celeste May EmbreyOfficerFT$166,966$49,617$216,583
Donny R PalmerStaffFT$138,200$38,664$176,864
Wanda Kay StevensStaff-$11,612$3,849$15,461
BRIEN G O'CONNORStaff-$5,919$5,919$5,919
Scott DaughertyStaff-$3,060$3,060$3,060
Darlia Jan FogartyStaffFT$2,879$2,879$2,879

Board Members and Trustees

NameTitle
Gary W ClaxtonChair
James D DreibelbisImmediate Past Chair
Robert W HoxworthVice Chair
David W OsbornDistrict 1 Director
Edwin Lee SchulzDistrict 1 Director
Quinn J AlexanderDistrict 1 Director
Dale K WilsonDistrict 2 Director
Harry J BrooksDistrict 2 Director
Steven S MackDistrict 2 Director
Linden GoehringDistrict 3 Director
Michael R HoskinsDistrict 3 Director
Robert D MrlikDistrict 3 Director
Jon EckertDistrict 4 Director
Micah C BolesDistrict 4 Director
William C LandissDistrict 4 Director
Danny W WeemsDistrict 5 Director
Mark W HamiltonDistrict 5 Director
Ms Kathy TittleDistrict 5 Director
Randall H MccauleyDistrict 6 Director
Robert a HulseyDistrict 6 Director
Stephen PhillipsDistrict 6 Director
Bruce R BaileyDistrict 7 Director
Darrell W AdamsDistrict 7 Director
Roger W KalinaDistrict 7 Director
Geoff R GriffinBank Leadership Council Ch
John L Holt JrCommunity Bankers Council
Joseph M Rankin IiiCommunity Bankers Council
Terry WhitleyCommunity Bankers Council
J Carter TollesonDiscretionary Appointment
Oscar TembladorDiscretionary Appointment
A Ford Sasser IiiGovernment Relations Counc
Greg DoddsGovernment Relations Counc
Raymond H Rust IiiRegional Bankers Council C
Paul M StranzRegional Bankers Council R
T Luke LonghoferRegional Bankers Council R
Chris Edward AldreteRegional Bankers Council V
William R Jenkins IiiTreasurer
Reid M HarrellTrust Representative
Revenue and Support

Revenue Composition

Contributions and Grants
$3,006,693
Program Service Revenue
$4,257,909
Investment Income
$225,333
Other Revenue
$2,179,503
Change in Net Assets
$77,839
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$6,075,025
Other Expenses$3,516,574
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,792,237$785,866-$3,578,103
Current Officers, Directors, Trustees, and Key Employees$1,198,326$337,265-$1,535,591
Pension Plan Contributions$646,547$181,968-$828,515
All Other Expenses$400,770$112,796-$513,566
Occupancy$326,569$91,912-$418,481
Travel$189,195$53,248-$242,443
Information Technology$137,143$38,598-$175,741
Depreciation Depletion$132,254$37,222-$169,476
Conferences and Meetings$119,490$33,630-$153,120
Other Expenses$114,717$32,287-$147,004
Other Employee Benefits$103,645$29,171-$132,816
Advertising$80,423$22,635-$103,058
Insurance$69,622$19,595-$89,217
Fees for Services Lobbying$31,560$8,883-$40,443
Office Expenses$27,531$7,748-$35,279
Royalties$13,835$3,894-$17,729
Total Functional Expenses$7,484,977$2,106,622$0$9,591,599
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-DirectorStock PurchaseNo$130,000

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$10,043$2,511▼ $7,532
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organization has members/stockholders.

Form 990, Part VI, Section A, Line 7A

Members of the governing body are elected under the entities policies and by-laws.

Form 990, Part VI, Section A, Line 7B

All decisions are voted on according to the entities policies and by-laws.

Form 990, Part VI, Section B, Line 11B

The form 990 is reviewed by the audit committee.

Form 990, Part VI, Section B, Line 12C

Each year, officers, directors, and key employees are required to complete a conflict of interest form.

Form 990, Part VI, Section B, Line 15

The executive committee reviewes the compensation of the officres, including the president.

Form 990, Part VI, Section C, Line 19

Provided upon written request.

Filing and Contact Details

Filer

Filer Name
Texas Bankers Association
EIN
75-0602235
Phone
5124728388
Address
203 WEST 10TH STREET, AUSTIN, TX 78701

Signing Officer

Name
Heather Ruschitzko
Title
CFO
Phone
5124728388
Signed
2019-10-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Heather Ruschitzko
Formed
1905
Legal Domicile
TX
Voting Board Members
38
Independent Board Members
37
Employees
61
Volunteers
275

Preparer

Firm
Eide Bailly Llp
Address
400 PINE ST STE 600, ABILENE, TX 79601-5190
Preparer
Russell Guthrie CPA
Phone
3256724000
Supplemental Narrative

Additional Explanations

FORM 990, PART V, LINE 2B:

Texas bankers association (tba) utilizes a third party payroll service provider called insperity, a professional employment organization (peo). Tba employees are co-employees of both tba & insperity. The services insperity provides for tba include: payroll processing, withholding & payment of employee & employer paid payroll taxes under isperity's ein #, management of employee health insurance plans, and issuing w-2s under the insperity ein #.

FORM 990, PART XI, LINE 9:

Gain from subsidiary 395,979.

Raw XML AppendixShowing 400 of 1,216 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
IRS990/AccountantCompileOrReviewInd00
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IRS990/AccountsReceivableGrp/EOYAmt01659285
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0OUR MISSION IS TO MEET THE NEEDS OF OUR MEMBERS WITH EDUCATION, INFORMATION, AND ADVOCACY.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt022635
IRS990/AdvertisingGrp/ProgramServicesAmt080423
IRS990/AdvertisingGrp/TotalAmt0103058
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0112796
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IRS990/AllOtherExpensesGrp/TotalAmt0513566
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IRS990/BooksInCareOfDetail/PhoneNum05124728388
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0203 W 10TH STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0AUSTIN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt09669438
IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DepreciationDepletionGrp/TotalAmt0169476
IRS990/Desc0TBA PROVIDES MEMBER SERVICES WHICH INCLUDE ADVOCACY AND ASSOCIATION GOVERNANCE.
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IRS990/FeesForServicesLobbyingGrp/TotalAmt040443
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IRS990/Form990PartVIISectionAGrp/PersonNm0A FORD SASSER III
IRS990/Form990PartVIISectionAGrp/PersonNm1BRUCE R BAILEY
IRS990/Form990PartVIISectionAGrp/PersonNm2CHRIS EDWARD ALDRETE
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRISTOPHER J FURLOW
IRS990/Form990PartVIISectionAGrp/PersonNm4DALE K WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm5DANNY W WEEMS
IRS990/Form990PartVIISectionAGrp/PersonNm6DARRELL W ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVID W OSBORN
IRS990/Form990PartVIISectionAGrp/PersonNm8EDWIN LEE SCHULZ
IRS990/Form990PartVIISectionAGrp/PersonNm9GARY W CLAXTON
IRS990/Form990PartVIISectionAGrp/PersonNm10GEOFF R GRIFFIN
IRS990/Form990PartVIISectionAGrp/PersonNm11GREG DODDS
IRS990/Form990PartVIISectionAGrp/PersonNm12HARRY J BROOKS
IRS990/Form990PartVIISectionAGrp/PersonNm13J CARTER TOLLESON
IRS990/Form990PartVIISectionAGrp/PersonNm14JAMES D DREIBELBIS
IRS990/Form990PartVIISectionAGrp/PersonNm15JAMES SANDBERG JR
IRS990/Form990PartVIISectionAGrp/PersonNm16JOHN L HOLT JR
IRS990/Form990PartVIISectionAGrp/PersonNm17JON ECKERT
IRS990/Form990PartVIISectionAGrp/PersonNm18JOSEPH M RANKIN III
IRS990/Form990PartVIISectionAGrp/PersonNm19LINDEN GOEHRING
IRS990/Form990PartVIISectionAGrp/PersonNm20MARK W HAMILTON
IRS990/Form990PartVIISectionAGrp/PersonNm21MICAH C BOLES
IRS990/Form990PartVIISectionAGrp/PersonNm22MICHAEL R HOSKINS
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IRS990/Form990PartVIISectionAGrp/PersonNm26QUINN J ALEXANDER
IRS990/Form990PartVIISectionAGrp/PersonNm27RANDALL H MCCAULEY
IRS990/Form990PartVIISectionAGrp/PersonNm28RAYMOND H RUST III
IRS990/Form990PartVIISectionAGrp/PersonNm29REID M HARRELL
IRS990/Form990PartVIISectionAGrp/PersonNm30ROBERT A HULSEY
IRS990/Form990PartVIISectionAGrp/PersonNm31ROBERT D MRLIK
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IRS990/Form990PartVIISectionAGrp/PersonNm33ROGER W KALINA
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IRS990/Form990PartVIISectionAGrp/PersonNm35STEVEN S MACK
IRS990/Form990PartVIISectionAGrp/PersonNm36T LUKE LONGHOFER
IRS990/Form990PartVIISectionAGrp/PersonNm37TERRY WHITLEY
IRS990/Form990PartVIISectionAGrp/PersonNm38WILLIAM C LANDISS
IRS990/Form990PartVIISectionAGrp/PersonNm39WILLIAM R JENKINS III
IRS990/Form990PartVIISectionAGrp/PersonNm40CELESTE MAY EMBREY
IRS990/Form990PartVIISectionAGrp/PersonNm41JOHN M HEASLEY
IRS990/Form990PartVIISectionAGrp/PersonNm42BRIEN G O'CONNOR
IRS990/Form990PartVIISectionAGrp/PersonNm43DARLIA JAN FOGARTY
IRS990/Form990PartVIISectionAGrp/PersonNm44DONNY R PALMER
IRS990/Form990PartVIISectionAGrp/PersonNm45HEATHER RUSCHITZKO
IRS990/Form990PartVIISectionAGrp/PersonNm46JOHN R BRIGANCE
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IRS990/Form990PartVIISectionAGrp/PersonNm48OLIVIA CARMICHAEL SOLIS
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IRS990/Form990PartVIISectionAGrp/TitleTxt0GOVERNMENT RELATIONS COUNC
IRS990/Form990PartVIISectionAGrp/TitleTxt1DISTRICT 7 DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2REGIONAL BANKERS COUNCIL V
IRS990/Form990PartVIISectionAGrp/TitleTxt3PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt4DISTRICT 2 DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DISTRICT 5 DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DISTRICT 7 DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DISTRICT 1 DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DISTRICT 1 DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt10BANK LEADERSHIP COUNCIL CH
IRS990/Form990PartVIISectionAGrp/TitleTxt11GOVERNMENT RELATIONS COUNC

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