The Bernard W and Bernadette Loeb

Private foundation · Grantmaker Lecanto, FL EIN: 23-2641004

The Bernard W and Bernadette Loeb is a private foundation, based in Lecanto, FL. IRS filing data is available from 2019 through 2025. As of 2025, the organization holds $458K in total assets. In 2025, it awarded 8 grants totaling $22K. Net investment income was $28K.

Key facts about The Bernard W and Bernadette Loeb

In short: The Bernard W and Bernadette Loeb gave $22K across 8 grants in 2025 (avg $3K), mostly in Florida. Source: 2025 IRS Form 990-PF.

EIN
23-2641004
Latest 990 filing
Form 990-PF, 2025
Annual giving (2025)
$21,750
Grants made (2025)
8
Average grant
$2,719
Median grant
$1,125
Total assets
$458,377
Primary geography
Florida (57% of itemized 2025 grant dollars)

Data from IRS Form 990-PF, 2025; updated September 2026.

Financial Overview

From 2025 IRS Form 990-PF · View filing

Total Assets

$458K

+7.3% YoY

Annual Giving

$22K

-8.4% YoY

Grant Count

8

+60.0% YoY

Avg Grant Size

$3K

-42.8% YoY

Under IRS private-foundation payout rules, The Bernard W and Bernadette Loeb reported a distributable amount of $21K for 2025 — the minimum it must pay out in qualifying distributions.

How The Bernard W and Bernadette Loeb gives

  • Giving held roughly steady from 2022 to 2025 (+16%). Method
  • In 2025 it paid out 102% of its IRS minimum distribution (the 5% rule). Method

From the foundation's IRS Form 990-PF filings. Methodology.

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Geographic Focus

Where this funder awards grants

Grant Distribution by State

6states

Share of all 8 itemized 2025 grant dollars.

Cities

PhiladelphiaWest ChesterBeverly HillsClearwaterLecantoNew HopeNaplesStuartBreinigsvilleDevaultFort MyersGreensburgHoneybrookInvernessLos AngelesMcHenryMontgomeryNorth WalesPottstownTucson

Giving Over Time

Total grant dollars and number of grants per year

$0$10K$20K$30K$40K5 grants201910 grants20219 grants20227 grants20235 grants20248 grants2025

From 2019 to 2025, annual grant giving ranged from $19K (2022) to $35K (2021). In 2025 it made 8 grants totaling $22K.

Grant Insights

How this funder distributes its grants

Top Recipients

Top 8 recipients in 2025

Homeless Empowerment Program: $10KHomeless Empowerment Program$10KHumane Borders: $4KHumane Borders$4KCoventry Food Pantry: $3KCoventry Food Pantry$3KFrench Pickering Creek Conservation: $1KFrench Pickering CreekConservation$1KThe Path Mission: $1KThe Path Mission$1KWilliston Animal Group: $1KWilliston Animal Group$1KBrandywine Valley SPCA: $1KBrandywine Valley SPCA$1KThe Key Training Center: $500The Key Training Center$500

The largest 2025 recipient was Homeless Empowerment Program ($10K). Together the top 8 received $22K.

Grant Size Distribution

39 grants across all recorded years

39<$50K$50–100K$100–250K$250–500K$500K–1M$1–5M$5M+

The most common grant size was under $50K: 39 grants of 39 (100%).

Giving History

Grant recipients and amounts by year

RecipientPurposeAmount
Homeless Empowerment Program Clearwater, FLProvide Fresh Food to the Indignant$10,000
Humane Borders Tucson, AZfund four water stations and support indispensable, life-saving work to minimize pain and suffering of the most marginalized.$4,000
Coventry Food Pantry Pottstown, PAsupport the indispensable work to reduce the prevalence of food insecurity$3,000
French Pickering Creek Conservation Devault, PApreserve land and ecosystem in perpetuity$1,250
The Path Mission Beverly Hills, FLSupport of Homeless Shelter$1,000
Williston Animal Group Williston, FLminimize unnecessary pain and suffering for animals$1,000
Brandywine Valley SPCA West Chester, PAindispensable work to minimize pain and suffering for animals$1,000
The Key Training Center Lecanto, FLJob & residential Skills for the Disabled$500

Financial History

Multi-year comparison from IRS filings

Revenue
Expenses
Qualifying Distributions
Net Investment Income
$0$20K$40K$60K$80K201920212022202320242025
Metric202520242023
Total Assets$458,377$427,223$399,954
Revenue$31,301$27,304$26,997
Expenses$39,345$40,812$40,465
Qualifying Distributions$21,750$23,750$21,895
Net Investment Income$27,706$23,742$18,427
Distributable Amount$21,423$20,039$18,996

Data update history

When this profile's IRS filing data changed on Grantable

  1. Added Form 990-PF for fiscal year 2019 (received by the IRS June 15, 2020)
  2. Updated Form 990-PF for fiscal year 2021 (received by the IRS January 26, 2023)
  3. Updated Form 990-PF for fiscal year 2022 (received by the IRS November 13, 2023)
  4. Updated Form 990-PF for fiscal year 2023 (received by the IRS November 12, 2024)
  5. Updated Form 990-PF for fiscal year 2024 (received by the IRS May 14, 2025)
  6. Added Form 990-PF for fiscal year 2025 (received by the IRS May 4, 2026)

Leadership & Key People

Officers and directors from IRS filings

The Bernard W and Bernadette Loeb is led by Josephine A. Loeb Szmuc, President on every filing since 2019; 1 of 4 officers listed in 2025 is compensated.

Officers on the 2025 filing

  • Josephine A. Loeb Szmuc

    President

    On filings since 2019

    30 hrs/week

    $32K (2019) → $14K (2025)

  • Maria Birdsong Zack

    Treasurer

    Secretary → Treasurer, 2025

    On filings since 2019

    No compensation reported

  • Susan A Walker

    Vice President

    On filings since 2019

    No compensation reported

  • Edward Szmuc

    Secretary

    New on the 2025 filing

    No compensation reported

Former officers (4)
  • Former: Susan A Walker-Russo (2021–2024) — Vice President
  • Former: Thomas E Brown (2021–2024) — Officer
  • Former: Catherine Bowles (2022–2024) — Treasurer
  • Former: Catherine Evans-Pusey (2019–2021) — Treasurer

Data from IRS Form 990 filings, 2019–2025. "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

Josephine A Szmuc — President: $14KJosephine A SzmucPresident$14K

The highest reported compensation on the 2025 filing was $14K, to Josephine A Szmuc (President).

Frequently asked questions about The Bernard W and Bernadette Loeb

How much does The Bernard W and Bernadette Loeb give each year?

The Bernard W and Bernadette Loeb gave $22K across 8 grants in 2025, according to its 2025 IRS Form 990-PF. In 2024 it gave $24K across 5 grants.

What is The Bernard W and Bernadette Loeb's typical grant size?

The Bernard W and Bernadette Loeb's median grant in 2025 was $1,125, and its average grant was $2,719, across 8 grants on its 2025 IRS Form 990-PF.

Where does The Bernard W and Bernadette Loeb give grants?

The Bernard W and Bernadette Loeb gives mostly in Florida: 57% of the grant dollars itemized on its 2025 IRS Form 990-PF went to recipients there. The next largest states were Pennsylvania (24%) and Arizona (18%).

Does The Bernard W and Bernadette Loeb give general operating support?

Not in 2025: none of the 8 grants with a stated purpose on The Bernard W and Bernadette Loeb's 2025 IRS Form 990-PF were described as general or operating support.

Who are The Bernard W and Bernadette Loeb's largest grantees?

The Bernard W and Bernadette Loeb's largest 2025 grantees include Homeless Empowerment Program ($10,000), Humane Borders ($4,000) and Coventry Food Pantry ($3,000), according to its 2025 IRS Form 990-PF. Together they received 78% of its itemized 2025 grant dollars.

How large is The Bernard W and Bernadette Loeb?

The Bernard W and Bernadette Loeb reported $458K in total assets on its 2025 IRS Form 990-PF. It paid out $22K in qualifying distributions that year, against a required minimum of $21K (roughly 5% of its investment assets).

What is The Bernard W and Bernadette Loeb's EIN?

The Bernard W and Bernadette Loeb's EIN (Employer Identification Number) is 23-2641004. IRS Form 990 filing data is available on this page for 2019–2025.

Data last updated September 2026. Sourced from IRS Form 990-PF filings.

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