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Nonprofit · EIN 55-0372473

PEOPLES MUTUAL FIRE INSURANCE CO INC

Tax-exempt · BERKELEY SPGS, WV 25411

Financials

$127K$135K2023$136K$95K2024$101K$114K2025
Revenue Expenses · by fiscal year end
Financials of PEOPLES MUTUAL FIRE INSURANCE CO INC by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$100,815$114,078-$13,263$1,289,758$28,044$1,261,714
December 31, 2024990$136,233$95,390$40,843$1,323,868$34,806$1,289,062
December 31, 2023990$126,665$135,167-$8,502$1,317,488$51,936$1,265,552
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$66,541
Investment income
$34,274
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$20,153
Other salaries and wages
$2,924
Salaries, compensation and benefits (total)
$23,077
Professional fundraising fees
$0
Accounting fees
$4,427
Occupancy
$3,962
Program services (functional)
$84,248
Management and general (functional)
$29,830

Balance sheet and other

Total assets, start of year
$1,323,868
Total assets, end of year
$1,289,758
Total liabilities, end of year
$28,044
Net assets, end of year
$1,261,714
Publicly traded securities
$830,252
Gross receipts
$100,815
Employees
0
Year formed
1900
State of legal domicile
WV

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensation
SCOTT SWAIMPRESIDENT
Trustee or director, Officer
6$3,124
AARON T CLOSEVICE PRES
Trustee or director, Officer
10$2,800
TIMOTHY B CLOSESECTREAS
Trustee or director, Officer
5$1,200
990 for the year ended December 31, 2024: 3 people
NameTitleHours / weekCompensation
SCOTT SWAIMPRESIDENT
Trustee or director, Officer
6$3,124
AARON T CLOSEVICE PRES
Trustee or director, Officer
10$2,800
TIMOTHY B CLOSESECTREAS
Trustee or director, Officer
10$1,500
990 for the year ended December 31, 2023: 3 people
NameTitleHours / weekCompensation
AARON T CLOSEVICE PRES
Trustee or director, Officer
10$2,800
SCOTT SWAIMPRESIDENT
Trustee or director, Officer
2$2,306
TIMOTHY B CLOSESECTREAS
Trustee or director, Officer
10$1,500

Address and contacts

Address (IRS master file)
PO BOX 618, BERKELEY SPGS, WV 25411-0618
In care of
% AARON T CLOSE
Principal officer (990 for 2025)
SCOTT SWAIM, 1680 VALLEY ROAD, BERKELEY SPRINGS, WV 25411
Signed the 990
AARON T CLOSE, TREASURER
Phone
(304) 258-1466
Return prepared by
Bradley Thomas Matthew Close CPA

Mission

MUTUAL FIRE INSURANCE COPMANY

990 for the year ended December 31, 2025

Program accomplishments

  • MUTUAL FIRE INSURANCE COMPANY GROSS RURAL FIRE INSURANCE IN FORCE AS OF DECEMBER 31 2025 $48,216,855
    Expenses $84,248

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
55-0372473
Tax-exempt status
501(c)(15): Mutual insurance company
Exempt since
1987
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$1,289,758
Income (IRS master file)
$100,815

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$100,815$114,078$1,289,758XML
990December 2024$136,233$95,390$1,323,868XML
990December 2023$126,665$135,167$1,317,488XML
990December 2022$114,644$97,862$1,374,145IRS
990December 2021$143,261$117,686$1,252,296IRS
990December 2020–––IRS
990December 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 55-0372473).

Questions about PEOPLES MUTUAL FIRE INSURANCE CO INC

What is the EIN of PEOPLES MUTUAL FIRE INSURANCE CO INC?
The employer identification number (EIN) of PEOPLES MUTUAL FIRE INSURANCE CO INC is 55-0372473.
Is PEOPLES MUTUAL FIRE INSURANCE CO INC tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(15) since 1987.
Which annual return does PEOPLES MUTUAL FIRE INSURANCE CO INC file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of PEOPLES MUTUAL FIRE INSURANCE CO INC due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did PEOPLES MUTUAL FIRE INSURANCE CO INC last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of PEOPLES MUTUAL FIRE INSURANCE CO INC?
The 990 for the year ended December 31, 2025 names SCOTT SWAIM.
Who are the officers and directors of PEOPLES MUTUAL FIRE INSURANCE CO INC?
The 990 for the year ended December 31, 2025 lists 3 people; 3 received compensation from the organization, the highest $3,124 (SCOTT SWAIM, PRESIDENT).
How much revenue does PEOPLES MUTUAL FIRE INSURANCE CO INC have?
On its 990 for the year ended December 31, 2025 it reported revenue of $100,815, expenses of $114,078 and total assets of $1,289,758 at year end.

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