IF Bancorp, Inc. (IROQ) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Net Interest Income | 5.97M | 6.06M | 28.23M | 5.11M | 4.92M | 4.71M | 4.38M | 4.15M | 4.31M | 4.51M | 4.6M | 4.97M | 6.01M | 6.22M | 5.59M | 5.36M | 5.65M | 5.54M | 5.19M | 5M |
| NII Growth % | 21.46% | 28.72% | 544.64% | 23.15% | 14.06% | 4.27% | -4.85% | -16.59% | -28.24% | -27.4% | -17.66% | -7.26% | 6.3% | 12.2% | 7.69% | 7.33% | 12.73% | 14.19% | 9.19% | 9.23% |
| Net Interest Margin % | 0.72% | 0.7% | 3.18% | 0.58% | 0.56% | 0.53% | 0.49% | 0.46% | 0.47% | 0.51% | 0.54% | 0.59% | 0.73% | 0.77% | 0.65% | 0.68% | 0.73% | 0.72% | 0.65% | 0.67% |
| Interest Income | 10.54M | 10.97M | 10.72M | 10.53M | 10.91M | 10.8M | 10.54M | 10.69M | 10.15M | 9.22M | 8.63M | 8.13M | 8.07M | 7.05M | 6.2M | 5.97M | 6.28M | 6.22M | 5.9M | 5.9M |
| Interest Expense | 4.56M | 4.91M | -17.51M | 5.42M | 5.99M | 6.09M | 6.16M | 6.54M | 5.84M | 4.71M | 4.02M | 3.16M | 2.06M | 828K | 612K | 611K | 627K | 679K | 711K | 902K |
| Loan Loss Provision | 34K | -42K | 22.23M | -262K | -450K | 382K | -164K | -390K | 364K | 222K | -481K | 240K | 101K | -88K | 453K | 242K | -76K | -127K | 679K | -101K |
| Non-Interest Income | 1.36M | 1.17M | 1.24M | 1.29M | 1.36M | 1.52M | 1.32M | 1.25M | 991K | 1.2M | 1.1M | 1.01M | 907K | 1.28M | 1.1M | 1.47M | 1.47M | 1.59M | 1.41M | 1.65M |
| Non-Interest Income % | 11.43% | 9.62% | 10.34% | 10.94% | 11.07% | 12.34% | 11.16% | 10.48% | 8.89% | 11.48% | 11.36% | 11.01% | 10.11% | 15.34% | 15.02% | 19.71% | 18.96% | 20.32% | 19.31% | 21.84% |
| Total Revenue | 11.89M | 12.14M | 11.96M | 11.82M | 12.27M | 12.32M | 11.87M | 11.94M | 11.14M | 10.42M | 9.73M | 9.14M | 8.97M | 8.32M | 7.3M | 7.44M | 7.75M | 7.81M | 7.31M | 7.54M |
| Revenue Growth % | -3.03% | -1.49% | 0.8% | -1.02% | 10.1% | 18.26% | 21.93% | 30.67% | 24.16% | 25.17% | 33.36% | 22.88% | 15.85% | 6.59% | -0.22% | -1.42% | 0.34% | -2.47% | -5.12% | -5.34% |
| Non-Interest Expense | 5.47M | 5.37M | 5.24M | 5.27M | 5.04M | 5M | 5.34M | 4.84M | 4.71M | 4.85M | 5.42M | 4.85M | 4.92M | 4.88M | 4.85M | 5.03M | 4.86M | 4.7M | 4.58M | 4.58M |
| Efficiency Ratio | 46.03% | 44.21% | 43.82% | 44.59% | 41.1% | 40.55% | 44.97% | 40.51% | 42.23% | 46.53% | 55.69% | 53.02% | 54.85% | 58.57% | 66.44% | 67.61% | 62.77% | 60.23% | 62.61% | 60.76% |
| Operating Income | 1.82M | 1.9M | 1.99M | 1.39M | 1.68M | 851K | 531K | 951K | 232K | 641K | 769K | 892K | 1.89M | 2.71M | 1.38M | 1.56M | 2.33M | 2.55M | 1.34M | 2.16M |
| Operating Margin % | 15.32% | 15.69% | 16.66% | 11.77% | 13.71% | 6.91% | 4.48% | 7.96% | 2.08% | 6.15% | 7.9% | 9.76% | 21.06% | 32.54% | 18.97% | 20.92% | 30.12% | 32.71% | 18.38% | 28.63% |
| Operating Income Growth % | 8.32% | 123.74% | 275.33% | 46.27% | 625% | 32.76% | -30.95% | 6.61% | -87.72% | -76.34% | -44.44% | -42.67% | -18.99% | 6.07% | 2.98% | -27.96% | 14.7% | 38.58% | -29.52% | 91.83% |
| Pretax Income | 1.82M | 1.9M | 1.99M | 1.39M | 1.68M | 851K | 531K | 951K | 232K | 641K | 769K | 892K | 1.89M | 2.71M | 1.38M | 1.56M | 2.33M | 2.55M | 1.34M | 2.16M |
| Pretax Margin % | 15.32% | 15.69% | 16.66% | 11.77% | 13.71% | 6.91% | 4.48% | 7.96% | 2.08% | 6.15% | 7.9% | 9.76% | 21.06% | 32.54% | 18.97% | 20.92% | 30.12% | 32.71% | 18.38% | 28.63% |
| Income Tax | 494K | 512K | 552K | 380K | 463K | 218K | 100K | 243K | 47K | 175K | 172K | 202K | 486K | 740K | 349K | 402K | 629K | 663K | 351K | 600K |
| Effective Tax Rate % | 27.11% | 26.89% | 27.7% | 27.32% | 27.53% | 25.62% | 18.83% | 25.55% | 20.26% | 27.3% | 22.37% | 22.65% | 25.71% | 27.32% | 25.22% | 25.84% | 26.96% | 25.96% | 26.12% | 27.78% |
| Net Income | 1.33M | 1.39M | 1.44M | 1.01M | 1.22M | 633K | 431K | 708K | 185K | 466K | 597K | 690K | 1.4M | 1.97M | 1.03M | 1.15M | 1.7M | 1.89M | 993K | 1.56M |
| Net Margin % | 11.16% | 11.47% | 12.05% | 8.55% | 9.94% | 5.14% | 3.63% | 5.93% | 1.66% | 4.47% | 6.14% | 7.55% | 15.65% | 23.65% | 14.18% | 15.51% | 22% | 24.22% | 13.58% | 20.68% |
| Net Income Growth % | 8.94% | 119.91% | 234.34% | 42.8% | 558.92% | 35.84% | -27.81% | 2.61% | -86.82% | -76.33% | -42.32% | -40.21% | -17.61% | 4.12% | 4.23% | -26.03% | 16.47% | 42.07% | -27.57% | 92.59% |
| Net Income (Continuing) | 1.33M | 1.39M | 1.44M | 1.01M | 1.22M | 633K | 431K | 708K | 185K | 466K | 597K | 690K | 1.4M | 1.97M | 1.03M | 1.15M | 1.7M | 1.89M | 993K | 1.56M |
| EPS (Diluted) | 0.41 | 0.43 | 0.45 | 0.31 | 0.38 | 0.20 | 0.13 | 0.22 | 0.06 | 0.14 | 0.18 | 0.21 | 0.43 | 0.62 | 0.33 | 0.37 | 0.54 | 0.61 | 0.32 | 0.50 |
| EPS Growth % | 7.89% | 115% | 246.15% | 40.91% | 558.58% | 42.86% | -27.78% | 4.76% | -86.58% | -77.42% | -45.45% | -43.24% | -20.37% | 1.64% | 3.13% | -26% | 12.5% | 38.64% | -28.89% | 92.31% |
| EPS (Basic) | 0.41 | 0.43 | 0.45 | 0.31 | 0.38 | 0.20 | 0.13 | 0.22 | 0.06 | 0.15 | 0.18 | 0.22 | 0.44 | 0.63 | 0.34 | 0.37 | 0.56 | 0.62 | 0.33 | 0.51 |
| Diluted Shares Outstanding | 3.24M | 3.24M | 3.23M | 3.23M | 3.23M | 3.22M | 3.22M | 3.21M | 3.21M | 3.27M | 3.26M | 3.25M | 3.24M | 3.18M | 3.14M | 3.15M | 3.14M | 3.11M | 3.1M | 3.09M |