2026-05-06T08:01:27-05:00 2025-12-31 010523282 Berry Dunn McNeil & Parker LLC 2211 Congress St Portland ME 04102 990 2025-01-01 010155360 Maine Bankers Association MAIN 2077918400 2 Thomas Drive Westbrook ME 04092 James Roche President 2077918400 2026-05-05 1 Joseph R Byrne P01289281 2077752387 2026-05-05 2025 2025-03-06 01:10:19Z James Roche 2 Thomas Drive Westbrook ME 04092 2680561 0 X www.mainebankers.com X 1893 ME Maine Bankers Association provides advocacy, education, and resources to safeguard and advance the interests of our members. The Maine Bankers Association has served Maine's banking industry since 1893. The Association offers industry representation in legislative and regulatory matters at the state and federal level. It sponsors educational programs and forums for banks to exchange valuable industry information. The Association also sponsors insurance programs, provides regulatory and compliance assistance and facilitates media relations on behalf of member banks. 36 36 11 37 0 0 0 0 2801246 2645838 29688 34723 0 0 2830934 2680561 0 0 0 0 1993868 1916736 0 0 0 806159 807296 2800027 2724032 30907 -43471 2212616 2269978 1405955 1320344 806661 949634 X Maine Bankers Association provides advocacy, education, and resources to safeguard and advance the interests of our members. The Maine Bankers Association has served Maine's banking industry since 1893. The Association offers industry representation in legislative and regulatory matters at the state and federal level. It sponsors educational programs and forums for banks to exchange valuable industry information. The Association also sponsors insurance programs, provides regulatory and compliance assistance and facilitates media relations on behalf of member banks. 0 0 Major Conferences - Each year major conferences are presented by the Association. Each conference has a distinct audience. The attendance and length may vary. Participants are charged a fee to offset expenses. Training Programs - Training sessions are presented throughout the year for all members. Sessions are usually one day and have a varying number of participants. 0 0 0 1 0 0 0 0 0 1 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 12 0 1 11 1 0 0 0 0 1 1 0 0 0 X 36 36 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 1 0 X Liza M Wells 2077918400 2 Thomas Drive Westbrook ME 04092 Neil Kiely Chairman 1.00 0.00 X X 0 0 0 Daniel Walsh Vice Chairman 1.00 0.00 X X 0 0 0 Lawrence L Barker Immediate Past Chairman 1.00 0.00 X 0 0 0 Stephen deCastro Director 1.00 1.00 X 0 0 0 Tony C McKim Director 1.00 0.00 X 0 0 0 Andrew E Silsby Director 1.00 0.00 X 0 0 0 Philip Cohen Director 1.00 0.00 X 0 0 0 Curtis C Simard Director 1.00 0.00 X 0 0 0 Andrew C Perry Director 1.00 0.00 X 0 0 0 Michael Walton Director 1.00 0.00 X 0 0 0 Mark Jones Director 1.00 1.00 X 0 0 0 Brian King Director 1.00 0.00 X 0 0 0 Jon J Prescott Director 1.00 0.00 X 0 0 0 Alexander Meagher Director 1.00 0.00 X 0 0 0 Robert Montgomery-Rice Director 1.00 1.00 X 0 0 0 Simon Griffiths Director 1.00 0.00 X 0 0 0 Anthony DiSotto Director 1.00 0.00 X 0 0 0 Curt Paterson Director 1.00 0.00 X 0 0 0 Glenn L Hutchinson Director 1.00 1.00 X 0 0 0 Timothy Thompson Director 1.00 1.00 X 0 0 0 Jeanne Hulit Director 1.00 1.00 X 0 0 0 Robert Banaski Director 1.00 0.00 X 0 0 0 Todd Starbird Director 1.00 0.00 X 0 0 0 David Cyr Director 1.00 0.00 X 0 0 0 Michael Chamberlain Director 1.00 0.00 X 0 0 0 Evlyn Tsimis Director 1.00 0.00 X 0 0 0 Michael O'Reilly Director 1.00 0.00 X 0 0 0 Michael R Currie Director 1.00 0.00 X 0 0 0 Amanda Rand Director 1.00 0.00 X 0 0 0 Amelia Dow Director 1.00 0.00 X 0 0 0 David Cohen Director 1.00 1.00 X 0 0 0 Kenneth Morgan Director 1.00 0.00 X 0 0 0 Andrew Cook Director 1.00 0.00 X 0 0 0 Marc Whittaker Director 1.00 0.00 X 0 0 0 Anthony Cataldi Director 1.00 0.00 X 0 0 0 Dan Tilton Director 1.00 0.00 X 0 0 0 Blaine Boudreau Past Director 1.00 1.00 X 0 0 0 James J Roche President 36.19 1.31 X 452502 0 23320 Marcia M Ferguson Chief Operating Officer 5.81 31.69 X 210755 0 21507 Liza Wells VP & Treasurer 19.72 17.78 X 139964 0 18023 Josh Steirman Dir. Of Govt Relations 37.25 0.25 X 160751 0 13492 Natasha DeSouza Dir. Of Employee Benefits 1.75 35.75 X 108047 0 15005 1072019 0 91347 5 0 1 0 Marriott International 1965 Hawks Landing Louisville TN 377771401 Event Services 199755 1 Membership Dues and As 611430 1047216 1047216 Reimbursed Expenses 611430 971255 971255 Member Services 611430 622156 622156 Miscellaneous 611430 5211 5211 2645838 34723 34723 2680561 2645838 0 34723 866071 712548 68919 168162 101036 27975 35814 3129 3185 27984 126200 131441 65735 353143 9796 13966 Miscellaneous Expense 8928 2724032 X 50 50 1606918 1609874 59651 32135 68626 112778 242015 208757 43617 33258 274364 363198 159390 118685 2212616 2269978 394652 398178 520523 562069 490780 360097 1405955 1320344 X 806661 949634 806661 949634 2212616 2269978 X -43471 186444 X 0 1 X 1 0 0 0 0 1047216 35814 35814 251332 -215518 Part I-A, Line 1: In 2025, approximately 24% of dues were allocated towards lobbying activities for the promotion of the banking industry. 175105 158771 16334 66910 49986 16924 33258 Investment in Subsidiary 363198 C 363198 Operating Lease Liability 125179 Postretirement Plan Obligation 234918 360097 X Part X, Line 2: Management has evaluated the Association's tax positions and concluded that as of December 31, 2025 and 2024, it has not taken any tax positions that would require the recording of any additional tax liability, nor does it believe that there are any unrealized tax benefits that would either increase or decrease within the next 12 months. When necessary, the Association recognizes interest accrued related to unrecognized tax benefits in interest expense and penalties in operating expenses. No such interest or penalties were recognized during the years presented. In addition, the Association had no accruals for interest and penalties at December 31, 2025 and 2024. The Association is subject to Internal Revenue Service and state examinations by taxing authorities for the years ended December 31, 2022 through December 31, 2025. X 0 1 X X X 0 0 0 James J Roche President 361777 0 75000 0 15725 0 21000 0 2320 0 475822 0 0 0 Marcia M Ferguson Chief Operating Officer 180755 0 30000 0 0 0 11302 0 10205 0 232262 0 0 0 Josh Steirman Dir. Of Govt Relations 132251 0 16500 0 12000 0 8169 0 5323 0 174243 0 0 0 Liza Wells VP & Treasurer 121464 0 18500 0 0 0 7792 0 10231 0 157987 0 0 0 Part I, Line 1b Maine Bankers Association will provide payment or reimbursement of necessary and reasonable expenses incurred by spouses or companions of elected officers and the President/CEO for attendance at meetings on behalf of the Association. Expenses should be reasonable, appropriate, and consistent with the business purpose rules of the IRS. Documentary evidence, such as receipts, must be provided to support any single expense item of $75 or more. Proper substantiation must be provided for entertainment expenses, including the names of those individuals entertained, affiliations, dates, locations, and business purpose. Form 990, Part VI, Section B, line 11b The Form 990 is always reviewed first by the Vice President & Treasurer and Chief Operating Officer, and then by the Organization's President to ensure the accuracy of the data and the accuracy of the information disclosed, before the return is signed. The Vice President & Treasurer ties the financial numbers to the internally prepared management reports and reviews the information disclosed for any changes in internal policy or position from the prior year's return. Form 990, Part VI, Section B, line 12c The Organization monitors and enforces its conflict of interest policy by requiring annual written disclosures from directors, officers, and committee members with board-delegated authority. Actual or potential conflicts must be disclosed to the board or appropriate committee, and interested persons are required to recuse themselves from discussions and votes related to the matter. Disinterested directors determine whether a conflict exists and whether the transaction is fair, reasonable, and in the Organization's best interest. All disclosures and determinations are documented in meeting minutes, and violations of the policy may result in disciplinary or corrective action. Form 990, Part VI, Section B, line 15 Compensation is reviewed and approved by members of the governing body. Form 990, Part VI, Section C, line 19 The Organization makes its governing documents and financial statements available to the public upon request. Form 990, Part X, Line 10: Land, Buildings, and Equipment Section 1.263(a)-3(n) Election: Maine Bankers Association 2 Thomas Drive Westbrook, ME 04092 EIN 01-0155360 Maine Bankers Association is electing to capitalize repair and maintenance costs under Regulation Section 1.263(a)-3(n). Form 990, Part XI, line 9: Equity in Gains of Subsidiaries 88,834. Change in Postretirement Plan Obligation 97,610. Maine Financial Institutions Employee Benefits Trust 2 Thomas Drive Westbrook ME 04092 016133041 Fund/Administer employee benefit plan ME 501(c)(9) Maine Bankers Association 1 Association Services Inc 2 Thomas Drive Westbrook ME 04092 010507289 Administration Services ME Maine Bankers Association C 212012 309493 1.00000 1 Community Banks Insurance Agency 2 Thomas Drive Westbrook ME 04092 010517638 Insurance Services ME Maine Bankers Association C 193167 523938 1.00000 1 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 1 1 0 0 Maine Financial Institutions Employee Benefits Trust P 831068 FMV Maine Financial Institutions Employee Benefits Trust Q 831068 FMV Community Banks Insurance Agency P 65828 FMV Community Banks Insurance Agency Q 65828 FMV Association Services Inc P 52089 FMV Association Services Inc Q 52089 FMV