Civic Intelligence

Mountain West Small Business Finance Fka Deseret Certified Development Company

EIN 94-2741608 • 501(c)4 • Salt Lake City, UT

View Organization Page

Profile

To further the economic development by promoting and assisting the growth and development of small business.

2595 East 3300 SouthSalt Lake City, UT 84109

n/A

Siviq Scores

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

Liabilities / Assets

60th percentile

0.20x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

60th percentile

0.28x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Source year 2025

Net Margin

67th percentile

22%

Higher net margin than 67% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

82nd percentile

$357,814

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

501(c)4 • $10M-$25M nonprofits • Source year 2025

Asset Growth

76th percentile

17%

Faster asset growth than 76% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

47th percentile

7.3%

Faster revenue growth than 47% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$16,568,590

Up $2,394,381 (+17%) from 2024

Liabilities

Down

$3,302,289

Down $236,834 (-6.7%) from 2024

Net Assets

Up

$13,266,301

Up $2,631,215 (+25%) from 2024

Operations
Liabilities / Revenue60th percentileNet Margin67th percentile

Revenue

Up

$11,752,912

Up $804,095 (+7.3%) from 2024

Expenses

Up

$9,121,697

Up $782,365 (+9.4%) from 2024

Net Income

Up

$2,631,215

Up $21,730 (+0.8%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth76th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $5,402,040Liabilities 2010: $3,107,437Net Assets 2010: $2,294,6032010Assets 2011: $4,674,595Liabilities 2011: $2,697,785Net Assets 2011: $1,976,8102011Assets 2012: $4,397,191Liabilities 2012: $2,425,131Net Assets 2012: $1,972,0602012Assets 2013: $5,525,316Liabilities 2013: $3,526,768Net Assets 2013: $1,998,5482013Assets 2014: $6,108,526Liabilities 2014: $4,179,482Net Assets 2014: $1,929,0442014Assets 2015: $6,252,905Liabilities 2015: $4,018,113Net Assets 2015: $2,234,7922015Assets 2016: $5,966,836Liabilities 2016: $3,808,837Net Assets 2016: $2,157,9992016Assets 2017: $5,761,558Liabilities 2017: $3,414,847Net Assets 2017: $2,346,7112017Assets 2018: $5,407,813Liabilities 2018: $3,294,301Net Assets 2018: $2,113,5122018Assets 2019: $5,349,315Liabilities 2019: $3,152,517Net Assets 2019: $2,196,7982019Assets 2020: $7,276,636Liabilities 2020: $4,550,908Net Assets 2020: $2,725,7282020Assets 2021: $8,796,191Liabilities 2021: $3,369,319Net Assets 2021: $5,426,8722021Assets 2022: $11,137,576Liabilities 2022: $4,847,576Net Assets 2022: $6,290,0002022Assets 2023: $11,905,717Liabilities 2023: $3,880,116Net Assets 2023: $8,025,6012023Assets 2024: $14,174,209Liabilities 2024: $3,539,123Net Assets 2024: $10,635,0862024Assets 2025: $16,568,590Liabilities 2025: $3,302,289Net Assets 2025: $13,266,3012025

Highlighted filing

2025

Assets$16,568,590
Liabilities$3,302,289
Net Assets$13,266,301
Open 2025 Filing

Operations Trend

Revenue Growth47th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $5,085,2002010Revenue 2011: $4,736,196Expenses 2011: $5,053,989Net Income 2011: -$317,7932011Expenses 2012: $4,960,7122012Expenses 2013: $5,079,1082013Revenue 2014: $5,481,585Expenses 2014: $5,551,089Net Income 2014: -$69,5042014Revenue 2015: $5,482,597Expenses 2015: $5,276,407Net Income 2015: $206,1902015Revenue 2016: $5,526,682Expenses 2016: $5,603,475Net Income 2016: -$76,7932016Revenue 2017: $5,800,626Expenses 2017: $5,611,914Net Income 2017: $188,7122017Revenue 2018: $5,985,387Expenses 2018: $6,132,241Net Income 2018: -$146,8542018Revenue 2019: $6,204,177Expenses 2019: $6,120,891Net Income 2019: $83,2862019Revenue 2020: $7,330,667Expenses 2020: $6,801,737Net Income 2020: $528,9302020Revenue 2021: $8,794,556Expenses 2021: $6,093,412Net Income 2021: $2,701,1442021Revenue 2022: $7,876,705Expenses 2022: $7,013,577Net Income 2022: $863,1282022Revenue 2023: $8,931,780Expenses 2023: $7,196,179Net Income 2023: $1,735,6012023Revenue 2024: $10,948,817Expenses 2024: $8,339,332Net Income 2024: $2,609,4852024Revenue 2025: $11,752,912Expenses 2025: $9,121,697Net Income 2025: $2,631,2152025

Highlighted filing

2025

Revenue$11,752,912
Expenses$9,121,697
Net Income$2,631,215
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,568,590
Liabilities
$3,302,289
Net assets
$13,266,301
Revenue
$11,752,912
Expenses
$9,121,697
Net income
$2,631,215
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$16.6$3.30$13.3$11.8$9.12$2.63
2024Detailed filing. Detailed filing data is available for this year.$14.2$3.54$10.6$10.9$8.34$2.61
2023Detailed filing. Detailed filing data is available for this year.$11.9$3.88$8.03$8.93$7.20$1.74
2022Detailed filing. Detailed filing data is available for this year.$11.1$4.85$6.29$7.88$7.01$0.86
2021Detailed filing. Detailed filing data is available for this year.$8.80$3.37$5.43$8.79$6.09$2.70
2020Detailed filing. Detailed filing data is available for this year.$7.28$4.55$2.73$7.33$6.80$0.53
2019Detailed filing. Detailed filing data is available for this year.$5.35$3.15$2.20$6.20$6.12$0.08
2018Detailed filing. Detailed filing data is available for this year.$5.41$3.29$2.11$5.99$6.13$0.15
2017Detailed filing. Detailed filing data is available for this year.$5.76$3.41$2.35$5.80$5.61$0.19
2016Detailed filing. Detailed filing data is available for this year.$5.97$3.81$2.16$5.53$5.60$0.08
2015Detailed filing. Detailed filing data is available for this year.$6.25$4.02$2.23$5.48$5.28$0.21
2014Detailed filing. Detailed filing data is available for this year.$6.11$4.18$1.93$5.48$5.55$0.07
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.53$3.53$2.00$5.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.40$2.43$1.97$4.96
2011Summary only. Only limited summary data is available for this year.$4.67$2.70$1.98$4.74$5.05$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.40$3.11$2.29$5.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Jan 21, 2026
Return Version
2024v5.0
Gross Receipts
$11,752,912
Mission and Program Overview

Mission

To further the economic development by promoting and assisting the growth and development of small business.

To further economic development by promoting and assisting the growth and development of small business.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$6,539,706$8,833,377▲ $2,293,671
Savings and Temporary Cash Investments$3,168,708$3,159,917▼ $8,791
Accounts Receivable$1,536,991$1,535,457▼ $1,534
Land, Buildings, and Equipment, Net$1,466,121$1,458,037▼ $8,084
Prepaid Expenses and Deferred Charges$86,944$58,485▼ $28,459
Total Assets$14,174,209$16,568,590▲ $2,394,381
Other Assets Total$1,375,739$1,523,317▲ $147,578
Liabilities
Other Liabilities$1,772,568$1,701,597▼ $70,971
Accounts Payable and Accrued Expenses$1,766,555$1,600,692▼ $165,863
Total Liabilities$3,539,123$3,302,289▼ $236,834
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$10,417,616$13,045,932▲ $2,628,316
Net Assets With Donor Restrictions$217,470$220,369▲ $2,899
Total Net Assets Fund Balance$10,635,086$13,266,301▲ $2,631,215
Total Liabilities and Net Assets / Fund Balance$14,174,209$16,568,590▲ $2,394,381

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,358,133$1,024,512$2,382,645
Equipment$98,413$178,897$277,310
Leasehold Improvements$1,491$4,224$5,715
Other Assets Org$1,523,317--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John D EvansFormer PresiFT$357,814-$357,814
John D EvansFormer President-$212,764$145,050$357,814
Daniel MangumPresident anFT$311,492-$311,492
Daniel MangumPresident and COO-$178,992$132,500$311,492
Spencer DavisCEOFT$157,901$107,000$264,901
Judson BlakesleyVP Loan OffiFT$251,812-$251,812
Judson BlakesleyVP Loan Officer-$150,812$101,000$251,812
Robert EdministerSr. Vice PreFT$186,605-$186,605
Robert EdministerSr. Vice President-$126,605$60,000$186,605
Curtis SingletonVP Loan OffiFT$180,009-$180,009
Curtis SingletonVP Loan Officer-$118,759$61,250$180,009
Jeffrey VanchiereVP Loan OffiFT$179,428-$179,428
Jeffrey VanchiereVP Loan Officer-$106,678$72,750$179,428
Tyler HealeyVP Loan OffiFT$176,605-$176,605
Tyler HealeyVP Loan Officer-$120,855$55,750$176,605
Blake BeckVP Loan OffiFT$160,702-$160,702
Blake BeckVP Loan Officer-$103,702$57,000$160,702
Kimberly HolleyVP Loan OffiFT$154,863-$154,863
Kimberly HolleyVP Loan Officer-$96,853$58,010$154,863
Zianibeth Shattuck-owenVP Human ResFT$119,150-$119,150
Maryann GerberVP Budget/fiFT$109,870-$109,870
Kay WardVP Closing MFT$92,330-$92,330
Hollie Oswald-bossVP ServicingFT$89,130-$89,130

Board Members and Trustees

NameTitle
Clare LeishmanDirector
Clint BuysDirector
Holly GalbraithDirector
Keler SoffeDirector
Ken PoulsenDirector
Lauren FarnsworthDirector
Russ CowleyDirector
Shelly JohnsonDirector
Trevor AndersenDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Paul H Van Dyke PllcAttorneyPO BOX 9843, Salt Lake City, UT 84109$298,500
Deseret Grss LLCRental2595 E 3300 S, Salt Lake City, UT 84109$182,422
Walker And Jones PllcAttorney520 E TABERNACLE STE 100, St George, UT 84770$178,750
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,612,906
Investment Income
$140,006
Other Revenue
$0
Change in Net Assets
$2,631,215

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,752,912
Total Revenue per Audited Statements
$11,752,912
Total Revenue per Form 990
$11,752,912
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$6,820,676
Other Expenses$2,301,021
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$2,458,796$433,907-$2,892,703
Other Salaries and Wages$2,057,836$363,147-$2,420,983
Other Employee Benefits$972,571$171,630-$1,144,201
Advertising$552,854$97,562-$650,416
Payroll Taxes$308,371$54,418-$362,789
Occupancy$206,511$36,443-$242,954
Information Technology$195,860$34,564-$230,424
Travel$194,726$34,363-$229,089
All Other Expenses$99,986$17,646-$117,632
Fees for Services Legal$85,364$15,064-$100,428
Other Expenses$55,380$9,773-$65,153
Fees for Services Accounting$47,083$8,309-$55,392
Insurance$43,708$7,713-$51,421
Depreciation Depletion$28,897$5,100-$33,997
Office Expenses$27,678$4,884-$32,562
Fees for Services Other$22,525$3,975-$26,500
Interest$3,008$531-$3,539
Total Functional Expenses$7,768,148$1,353,549$0$9,121,697

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,121,697
Total Expenses per Audited Statements$9,121,697
Total Expenses per Form 990$9,121,697
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
-OwnershipCurrent OfficerNo$182,422
Jen Elton Jeff VanchiereSister ofEmployeeNo$55,899
-OwnershipCurrent OfficerNo$32,291
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Notes Payable$1,701,597
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
Yes
Business relationship with family members
Yes
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

“SEE SCHEDULE L, PART IV”

Form 990, Page 6, Part VI, Line 7A

“The membership elects the governing board of directors.”

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

“Each voting member of the board of directors receives a copy of the 990 prior to its being filed. The 990 is prepared by an independent cpa firm. The independent cpa reviews the 990 with the audit committee of the organization and once the audit committee and board of directors are satisfied that the return is complete and accurate they advise the cpa to file the return electronically.”

Form 990, Page 6, Part VI, Line 12C

“Once each year the full board of directors is asked if they have any conflicts of interest. If a board member discloses a conflict of interest the full board reviews the potential conflict and deliberates on the ultimate disposition of the conflict.”

Form 990, Page 6, Part VI, Line 15A

“All compensation payments are reviewed annually by the organization's compensation committee. The committee reviews compensation surveys both for the state of utah and national surveys prior to evaluating and reviewing each employee.”

Form 990, Page 6, Part VI, Line 15B

“All compensation payments are reviewed annually by the organization's compensation committee. The committee reviews compensation surveys both for the state of utah and national surveys prior to evaluating and reviewing each employee.”

Form 990, Page 6, Part VI, Line 19

“The organization's governing documents, conflict of interest policy, and financial statements are available to the general public upon request.”

Filing and Contact Details

Filer

Filer Name
Mountain West Small Business
EIN
94-2741608
Phone
8014123775
Address
2595 EAST 3300 SOUTH, SALT LAKE CITY, UT 84109

Signing Officer

Name
Spencer Davis
Title
CEO
Phone
8014743232
Signed
2026-01-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Spencer Davis
Formed
1980
Legal Domicile
Ut
Voting Board Members
10
Independent Board Members
9
Employees
51

Preparer

Firm
Wsrp Advisory LLC
Address
155 N 400 W STE 400, SALT LAKE CITY, UT 84103
Preparer
Derek W Weil CPA
Phone
8013282011
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

“Mwsbf is a non-profit organization, which is exempt from federal income tax under section 501(c)(4) of the internal revenue code. Therefore, no provision has been made in the financial statements for income taxes, or related income tax assets and liabilities. Fasb has provided guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the entity's tax returns to determine whether the tax positions are "morelikely-than-not" of being sustained "when challenged- or "when examined" by the applicable taxing authority. For 2025 and 2024, management has determined that there are no material uncertain income tax positions.”

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

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