Peer Analysis

Performance Ratios (%) IROQ Peer Median Peer Average
ROAA 0.57 0.93 1.03
ROAE 4.89 7.43 10.02
Net Interest Margin 2.69 3.53 3.47
Efficiency Ratio 75.75 64.52 65.71
Loans / Deposits 93.97 78.53 76.21
Asset Quality Ratios (%)
NPAs / Assets 0.13 1.02 1.09
NCOs / Avg Loans 0.01 0.06 0.12
Reserves / Loans 1.29 1.13 1.32
Reserves / NPAs 709.09 89.37 99.48
Capital Ratios (%)
Tier 1 Capital NA NA NA
Tangible Equity / Tangible Assets 11.61 10.79 10.98
Total Equity / Total Assets 11.61 11.33 11.45
Market Ratios
Price / Earnings (x) 13.66 7.44 10.38
Price / Book (%) 66.86 NA NA
Dividend Yield (%) 1.83 0.92 1.57
Data for trailing four quarters

IF Bancorp, Inc.'s peer group consists of the following: CF Bankshares Inc. (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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