Peer Analysis

Performance Ratios (%) IROQ Peer Median Peer Average
ROAA 0.57 0.93 0.95
ROAE 4.89 8.78 9.01
Net Interest Margin 2.69 3.59 3.53
Efficiency Ratio 75.75 66.12 67.32
Loans / Deposits 93.97 78.53 76.09
Asset Quality Ratios (%)
NPAs / Assets 0.13 0.75 0.88
NCOs / Avg Loans 0.01 0.06 0.11
Reserves / Loans 1.29 1.12 1.29
Reserves / NPAs 709.09 121.68 126.14
Capital Ratios (%)
Tier 1 Capital NA 17.08 17.08
Tangible Equity / Tangible Assets 11.61 11.20 11.20
Total Equity / Total Assets 11.61 11.75 11.66
Market Ratios
Price / Earnings (x) 13.75 7.63 11.65
Price / Book (%) 67.31 157.63 204.38
Dividend Yield (%) 1.82 0.95 1.59
Data for trailing four quarters

IF Bancorp, Inc.'s peer group consists of the following: Central Federal Corporation (CFBK), Fidelity Federal Bancorp (FDLB), First Capital, Inc. (FCAP), Jacksonville Bancorp, Inc., Lexington B&L Financial Corp., Peoples Bancorp, Inc., Project Hawks Merger Sub LLC, River Valley Bancorp, Wayne Savings Bancshares, Inc. (WAYN), Wells Financial Corp.

IF Bancorp, Inc.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

Fidelity Federal Bancorp's financial data is as of 12/31/2013.
Peoples Bancorp, Inc.'s financial data is as of 6/30/2015.
Wells Financial Corp.'s financial data is as of 6/30/2017.
Lexington B&L Financial Corp.'s financial data is as of 6/30/2016.
River Valley Bancorp's financial data is as of 12/31/2015.
Project Hawks Merger Sub LLC's financial data is as of 3/31/2018.
Jacksonville Bancorp, Inc.'s financial data is as of 3/31/2018.
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