Peer Analysis

Performance Ratios (%) IROQ Peer Median Peer Average
ROAA 0.61 0.93 1.03
ROAE 5.30 8.66 10.00
Net Interest Margin 2.75 3.60 3.48
Efficiency Ratio 74.72 64.52 65.71
Loans / Deposits 85.67 78.53 76.21
Asset Quality Ratios (%)
NPAs / Assets 0.28 0.72 0.87
NCOs / Avg Loans 0.04 0.06 0.12
Reserves / Loans 1.21 1.16 1.31
Reserves / NPAs 304.69 128.35 139.47
Capital Ratios (%)
Tier 1 Capital NA 16.97 16.97
Tangible Equity / Tangible Assets 11.23 10.80 10.96
Total Equity / Total Assets 11.23 11.43 11.46
Market Ratios
Price / Earnings (x) 11.90 7.52 10.53
Price / Book (%) 63.07 94.63 123.30
Dividend Yield (%) 1.87 0.93 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 6/30/2020.

Peer financial data is as of 6/30/2020 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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