Peer Analysis

Performance Ratios (%) IROQ Peer Median Peer Average
ROAA 0.50 0.78 0.86
ROAE 3.94 7.43 7.86
Net Interest Margin 2.85 3.55 3.56
Efficiency Ratio 76.76 70.39 69.29
Loans / Deposits NA 78.53 76.43
Asset Quality Ratios (%)
NPAs / Assets 0.83 1.02 1.20
NCOs / Avg Loans 0.33 0.02 0.11
Reserves / Loans 1.26 1.20 1.32
Reserves / NPAs 114.66 68.84 75.87
Capital Ratios (%)
Tier 1 Capital 15.90 NA NA
Tangible Equity / Tangible Assets 11.82 10.79 10.82
Total Equity / Total Assets 11.82 11.33 11.32
Market Ratios
Price / Earnings (x) 23.81 12.75 13.92
Price / Book (%) 96.49 122.10 122.10
Dividend Yield (%) 1.19 1.81 1.65
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. (JXSB), Lexington B&L Financial Corp. (LXMO), Peoples Bancorp, Inc. (PBNI), Project Hawks Merger Sub LLC (FIRT), River Valley Bancorp (RIVR), Wayne Savings Bancshares, Inc. (WAYN), Wells Financial Corp. (WEFP)

IF Bancorp, Inc.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 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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