IF Bancorp Inc 2025年季度报告

Quarterly Report Pursuant To Section13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period endedSeptember 30,2025 OR Transition Report Pursuant to Section13 or 15(d) of the Securities Exchange Act of 1934 Commission FileNo.001-35226 IF Bancorp, Inc.(Exact name of registrant as specified in its charter) 45-1834449(I.R.S. EmployerIdentification Number) Maryland(State or other jurisdiction ofincorporation or organization) 201 East Cherry Street,Watseka,Illinois(Address of Principal Executive Offices) 60970Zip Code _(815)432-2476_(Registrant’s telephone number) Securities registered pursuant to Section12(b) of the Act: TradingSymbol(s)IROQ Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to suchrequirements for the past 90 days.YES☒NO☐ Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data Filerequired to be submitted and posted pursuant to Rule 405 of RegulationS-Tduring the preceding 12 months (or for such shorter period that theregistrant was required to submit and post such files).YES☒NO☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, anon-acceleratedfiler, a smaller reporting company or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule12b-2of theExchange Act. (Check one) Acceleratedfiler☐Smallerreportingcompany☒Emerginggrowthcompany☐ Largeacceleratedfiler☐Non-accelerated filer☒ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2of the Exchange Act).YES☐NO☒ The Registrant had3,351,526shares of common stock, par value $0.01 per share, issued and outstanding as of November5, 2025. IF Bancorp, Inc.Form10-Q Index Part I. Financial Information Item 1.Condensed Consolidated Financial StatementsCondensed Consolidated Balance Sheets as of September30, 2025 (unaudited) and June30, 2025Condensed Consolidated Statements of Income for the Three Months Ended September30, 2025 and 2024(unaudited)Condensed Consolidated Statements of Comprehensive Income for the Three Months Ended September30, 2025and 2024 (unaudited)Condensed Consolidated Statements of Stockholders’ Equity for the Three Months Ended September30, 2025 and2024 (unaudited)Condensed Consolidated Statements of Cash Flows for the Three Months Ended September30, 2025 and 2024(unaudited)Notes to Condensed Consolidated Financial Statements (unaudited)Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations35Item 3.Quantitative and Qualitative Disclosures about Market Risk46Item 4.Controls and Procedures46 Part II. Other Information Item 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.ExhibitsSignature Page IF Bancorp, Inc.Condensed Consolidated Statements of Income (Unaudited)(Dollars in thousands except per share amounts) Table of Contents IF Bancorp, Inc.Condensed Consolidated Statements of Comprehensive Income(Unaudited)(Dollars in thousands) Table of Contents IF Bancorp, Inc.Condensed Consolidated Statements of Stockholders’ Equity (Unaudited)(Dollars in thousands, except per share amounts) IF Bancorp, Inc. Condensed Consolidated Statements of Cash Flows (Unaudited)(Dollars in thousands) Table of Contents IF Bancorp, Inc.Form10-Q(Unaudited)(Table dollar amounts in thousands) Notes to Condensed Consolidated Financial Statements Note 1:Basis of Financial Statement Presentation IF Bancorp, Inc., (“IF Bancorp” or the “Company”) is a Maryland corporation whose principal activity is the ownership and management of its whollyowned subsidiary, Iroquois Federal Savings and Loan Association (“Iroquois Federal” or the “Association”). The unaudited condensed consolidatedfinancial statements include the accounts of the Company, the Association, and the Association’s wholly owned subsidiary, L.C.I. Service Corporation.All significant intercompany accounts and transactions have been eliminated in consolidation. The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generallyaccepted in the United States of America (“GAAP”) for interim financial reporting and with instructions for Form10-Qand RegulationS-X.Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have beencondensed or omitted pursuant to such rules and regulations. The preparation of consolidated financial statements