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COMMUNITY FIRST CAPITAL CORP

EIN 20-0185800 LANCASTER, PA

Browse the largest nonprofits in Pennsylvania

Revenue 2024
$598,382
Expenses 2024
$348,545

Program services were 40.7% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
S31
Classification
1000
Street
PO BOX 524

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

Mission

TO MAKE LOANS AVAILABLE TO PERSONS LIVING, WORKING OR INTERESTED IN DEVELOPING DETERIORATED COMMUNITIES AND BUSINESSES LOCATED IN PA, CENTRAL PA AND THE SURROUNDING COMMUNITITES, TO CREATE JOBS AND AFFORDABLE HOUSING, AND TO PROVIDE BUSINESS COUNSELING, THEREBY REDUCING POVERTY AND REDUCING THE BURDENS OF GOVERNMENT.

  • COMMUNITY FIRST CAPITAL CORP MAKES COMMUNITY BUSINESS AND REDEVELOPMENT LOANS, INCLUDING LOANS THAT MAY BE GUARANTEED BY THE U.S. SMALL BUSINESS ADMINISTRATION (SBA). IN MARCH 2020 IN RESPONSE TO THE COVID-19 PANDEMIC, THE ORGANIZATION SHIFTED ITS EFFORTS TO PROMOTION OF THE SBA PAYCHECK PROTECTION PROGRAM (PPP) TO BUSINESSES LOCATED IN LOW-INCOME COMMUNITIES AND OWNED BY PEOPLE OF COLOR. AS OF JUNE 30, 2025, THE ORGANIZATION HAS 83 LOANS OUTSTANDING INCLUDING 3 PPP LOANS. THE TOTAL LOANS OUTSTANDING AT JUNE 30, 2025 IS 7,319,646 INCLUDING ACCRUED INTEREST AND LOAN FEES.

    Expenses $141,858 · Revenue $598,382

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Joan Brodhead

    DIRECTOR

    Total calculated
    $237,751
    From this org
    $0
    From related orgs
    $208,549
    Other
    $29,202
    Hours/week
    1 + 48 related

    Schedule J breakdown matched by us

    Base
    not reported + $208,549 related
    Bonus
    not reported
    Other
    not reported
    Deferred
    not reported + $4,472 related
    Nontaxable benefits
    not reported + $24,730 related
    Filer's total
    not reported + $237,751 related
  • Dragan Dodik

    DIRECTOR

    Total calculated
    $222,398
    From this org
    $0
    From related orgs
    $187,621
    Other
    $34,777
    Hours/week
    1 + 40 related

    Schedule J breakdown matched by us

    Base
    not reported + $187,621 related
    Bonus
    not reported
    Other
    not reported
    Deferred
    not reported
    Nontaxable benefits
    not reported + $34,777 related
    Filer's total
    not reported + $222,398 related
  • Ed Gallagher

    PRESIDENT

    Total calculated
    $205,679
    From this org
    $0
    From related orgs
    $197,850
    Other
    $7,829
    Hours/week
    1 + 40 related

    Schedule J breakdown matched by us

    Base
    not reported + $197,850 related
    Bonus
    not reported
    Other
    not reported
    Deferred
    not reported + $7,829 related
    Nontaxable benefits
    not reported
    Filer's total
    not reported + $205,679 related
  • Elizabeth Bennett

    TREASURER

    Total calculated
    $192,400
    From this org
    $0
    From related orgs
    $180,091
    Other
    $12,309
    Hours/week
    1 + 45 related

    Schedule J breakdown matched by us

    Base
    not reported + $180,091 related
    Bonus
    not reported
    Other
    not reported
    Deferred
    not reported
    Nontaxable benefits
    not reported + $12,309 related
    Filer's total
    not reported + $192,400 related
  • Joshua Druce

    SECRETARY

    Total calculated
    $131,767
    From this org
    $0
    From related orgs
    $107,945
    Other
    $23,822
    Hours/week
    1 + 40 related

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $598,382
    Expenses
    $348,545
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $662,064
    Expenses
    $528,988
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $700,845
    Expenses
    $913,201
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $474,502
    Expenses
    $297,363
    Assets (EOY)
    $7,763,704
  • 2020 · 990

    Revenue
    $677,122
    Expenses
    $744,077
    Assets (EOY)
    $13,234,632
  • 2019 · 990

    Revenue
    $1,347,897
    Expenses
    $803,048
    Assets (EOY)
    $17,606,260
  • 2018 · 990

    Revenue
    $814,961
    Expenses
    $500,782
    Assets (EOY)
    $6,643,479
  • 2017 · 990

    Revenue
    $668,070
    Expenses
    $2,767
    Assets (EOY)
    $7,217,770
  • 2016 · 990

    Revenue
    $555,241
    Expenses
    $29,361
    Assets (EOY)
    $6,678,263
  • 2015 · 990

    Revenue
    $456,224
    Expenses
    $80,130
    Assets (EOY)
    $5,504,150
  • 2014 · 990

    Revenue
    $376,154
    Expenses
    $62,664
    Assets (EOY)
    $4,434,027
  • 2013 · 990

    Revenue
    $250,663
    Expenses
    $239,210
    Assets (EOY)
    $3,607,984
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $98,394
    Assets (EOY)
    $3,057,818

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Declared as related by

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Listed as of 13 October 2026, under deductibility SOUNK.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.