Cowles Ruth & Andrew Char F0108601
FOR PURPOSES OF FORM 990, THE ORGANIZATION WILL REFER TO FROST BANK, THE INSTITUTIONAL TRUSTEE OF THIS CHARITABLE TRUST. FROST BANK CARRIES OUT THE INTENT AND DIRECTIONS PROVIDED IN THE GOVERNING DOCUMENT OF THE TRUST. THIS TRUST WAS CREATED UNDER THE WILL OF RUTH COWLES & WILL OF ANDREW COWLES TO BENEFIT THREE NAMED CHARITABLE ORGANIZATIONS. THE BENEFICIARIES ALL QUALIFYAS 501(c)3 ORGANIZATIONS.
Cowles Ruth & Andrew Char F0108601 at a glance
In short: Cowles Ruth & Andrew Char F0108601 gave $1.9M across 3 grants in 2025 (avg $618K), mostly in Texas. Source: 2025 IRS Form 990.
- Annual giving (2025)
- $1,853,584
- +1.8% vs 2024
- Grants made (2025)
- 3
- +0.0% vs 2024
- Average grant
- $617,861
- +1.8% vs 2024
- Median grant
- $185,358
- Total assets
- $23,009,294
- +4.7% vs 2024
- Primary geography
- Texas (100% of itemized 2025 grant dollars)
- Latest 990 filing
- Form 990, 2025 View filing
Data from IRS Form 990, 2025; updated September 2026.
Who Cowles Ruth & Andrew Char F0108601 funds
How this funder distributes its grants
Top Recipients
Top 3 recipients in 2025
The largest 2025 recipient was Trinity University ($1.6M). Together the top 3 received $1.9M.
Grant Size Distribution
15 grants across all recorded years
The most common grant size was in the $100–250K range: 4 grants of 15 (27%).
Geographic Focus
Where this funder awards grants
Grant Distribution by State
Share of 2025 grant dollars across all 3 itemized grants.
States
Cities
How Cowles Ruth & Andrew Char F0108601 gives
- Giving grew 84% from 2022 to 2025. Method
From the foundation's IRS Form 990 filings. Methodology.
Giving History
Giving Over Time
Total grant dollars and number of grants per year
From 2020 to 2025, annual grant giving ranged from $589K (2020) to $2.6M (2021). In 2025 it made 3 grants totaling $1.9M.
Grants by year
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| Trinity University San Antonio, TX | Funds to the used for religious, charitable, scientific, literary or educational purposes. | $1,612,618 |
| Madison Square Presbyterian Church San Antonio, TX | Funds to be used exclusively for religious, chartiable, scientific, literary or educational purposes. | $185,358 |
| United Way of San Antonio San Antonio, TX | Funds to be used for religious, charitable, scientific, literary, or educational purposes. | $55,608 |
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Financial History
Multi-year comparison from IRS filings
| Filing year | Total Assets | Revenue | Expenses | Grants paid | Grants | Net Investment Income |
|---|---|---|---|---|---|---|
| 2025 | $23,009,294 | $3,124,764 | $2,083,336 | $1,853,584 | 3 | $1,786,081 |
| 2024 | $21,967,866 | $2,184,667 | $2,012,913 | $1,821,576 | 3 | $810,863 |
| 2023 | $21,796,112 | $2,729,879 | $1,828,809 | $1,658,868 | 3 | $1,441,661 |
| 2022 | $20,895,041 | $2,181,866 | $1,187,378 | $1,008,976 | 3 | $885,337 |
| 2021 | $21,123,458 | $2,511,389 | $2,795,127 | $2,607,334 | 3 | $1,914,640 |
| 2020 | $20,184,291 | $892,605 | $743,124 | $589,493 | 3 | $440,437 |
About Cowles Ruth & Andrew Char F0108601
Based on IRS filings
Cowles Ruth & Andrew Char F0108601 is a public charity, based in San Antonio, TX. IRS filing data is available from 2020 through 2025. As of 2025, the organization holds $23.0M in total assets. In 2025, it awarded 3 grants totaling $1.9M. Net investment income was $1.8M.
Leadership & Key People
Officers and directors from IRS filings
Cowles Ruth & Andrew Char F0108601 is led by Debbie Broemsen, Trustee on every filing since 2022 — the only officer listed, and compensated.
Officers on the 2025 filing
Debbie Broemsen
Trustee
On filings since 2022
40 hrs/week
$167K (2022) → $220K (2025)
Former officers (1)
- Former: Kathleen Finck (2020–2021) — Trustee
Data from IRS Form 990 filings, 2020–2025. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Compensation Overview
From 2025 IRS filing
The highest reported compensation on the 2025 filing was $220K, to Debbie Broemsen (Trustee).
Frequently asked questions about Cowles Ruth & Andrew Char F0108601
How much does Cowles Ruth & Andrew Char F0108601 give each year?
Cowles Ruth & Andrew Char F0108601 gave $1.9M across 3 grants in 2025, according to its 2025 IRS Form 990. In 2024 it gave $1.8M across 3 grants.
What is Cowles Ruth & Andrew Char F0108601's typical grant size?
Cowles Ruth & Andrew Char F0108601's median grant in 2025 was $185,358, and its average grant was $617,861, across 3 grants on its 2025 IRS Form 990.
Where does Cowles Ruth & Andrew Char F0108601 give grants?
Cowles Ruth & Andrew Char F0108601 gives mostly in Texas: 100% of the grant dollars itemized on its 2025 IRS Form 990 went to recipients there. The most frequent recipient cities were San Antonio, TX (3 grants).
Does Cowles Ruth & Andrew Char F0108601 give general operating support?
Not in 2025: none of the 3 grants with a stated purpose on Cowles Ruth & Andrew Char F0108601's 2025 IRS Form 990 were described as general or operating support.
How large is Cowles Ruth & Andrew Char F0108601?
Cowles Ruth & Andrew Char F0108601 reported $23.0M in total assets on its 2025 IRS Form 990. Its revenue that year was $3.1M.
What is Cowles Ruth & Andrew Char F0108601's EIN?
Cowles Ruth & Andrew Char F0108601's EIN (Employer Identification Number) is 74-6064175. IRS Form 990 filing data is available on this page for 2020–2025.
Data last updated September 2026. Sourced from IRS Form 990 filings.
Data update history
(7)
When this profile's IRS filing data changed on Grantable
- Updated Form 990 for fiscal year 2020 (received by the IRS April 6, 2021)
- Updated Form 990 for fiscal year 2021 (received by the IRS May 11, 2022)
- Updated Form 990 for fiscal year 2022 (received by the IRS May 12, 2023)
- Updated Form 990 for fiscal year 2023 (received by the IRS May 14, 2024)
- Updated Form 990 for fiscal year 2024 (received by the IRS May 13, 2025)
- Added Form 990 for fiscal year 2025 (received by the IRS May 14, 2026)
- IRS filings on file for fiscal years 2020–2024
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