Peer Analysis

Performance Ratios (%) IROQ Peer Median Peer Average
ROAA 0.57 0.93 0.96
ROAE 4.89 7.43 9.15
Net Interest Margin 2.69 3.51 3.54
Efficiency Ratio 75.54 65.34 67.32
Loans / Deposits NA 78.53 75.35
Asset Quality Ratios (%)
NPAs / Assets 0.32 0.86 0.98
NCOs / Avg Loans 0.01 0.06 0.11
Reserves / Loans 1.25 1.03 1.27
Reserves / NPAs 288.32 106.89 104.80
Capital Ratios (%)
Tier 1 Capital NA 16.98 16.98
Tangible Equity / Tangible Assets 11.46 10.79 11.20
Total Equity / Total Assets 11.46 11.33 11.62
Market Ratios
Price / Earnings (x) 19.49 9.77 12.97
Price / Book (%) 96.56 113.35 113.35
Dividend Yield (%) 1.30 1.42 1.60
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 12/31/2019.

Peer financial data is as of 12/31/2019 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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