<span item_type="fundamental" item_id="4c18137387641a75249c299a974711fa" counter_id="ST/US/IROQ" env="prod"></span><span item_type="announcement" item_id="577725495649046529" env="prod"></span><p>Revenue: As of FY2026 Q1, the actual value is USD 12.23 M.</p><p>EPS: As of FY2026 Q1, the actual value is USD 0.43.</p><p>EBIT: As of FY2026 Q1, the actual value is USD -4.279 M.</p><p></p><h3>Net Income</h3><ul><li>Net income for the three months ended September 30, 2025, was $1.4 million, compared to $633,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Net Interest Income</h3><ul><li>Net interest income increased to $6.2 million for the three months ended September 30, 2025, from $4.8 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Interest Income and Expense</h3><ul><li>Interest income rose to $11.1 million from $10.9 million, while interest expense decreased to $4.9 million from $6.1 million for the three months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Provision for Credit Losses</h3><ul><li>A credit of $42,000 was recorded for credit losses in the three months ended September 30, 2025, compared to a provision of $382,000 in the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Noninterest Income and Expense</h3><ul><li>Noninterest income decreased to $1.1 million from $1.4 million, while noninterest expense increased to $5.5 million from $5.0 million for the three months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Income Tax Expense</h3><ul><li>Income tax expense was $512,000 for the three months ended September 30, 2025, compared to $218,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Total Assets and Equity</h3><ul><li>Total assets were $862.3 million at September 30, 2025, down from $887.7 million at June 30, 2025. Stockholders’ equity increased to $84.5 million from $81.8 million during the same period.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Cash and Cash Equivalents</h3><ul><li>Cash and cash equivalents decreased to $8.0 million at September 30, 2025, from $20.1 million at June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Deposits and Borrowings</h3><ul><li>Deposits decreased to $680.3 million from $721.3 million, while total borrowings increased to $87.3 million from $72.9 million at September 30, 2025, compared to June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company is optimistic about its strategic alliance with ServBank and is focused on improving financial results through the expansion of its net interest margin and repricing of its loan portfolio in the current interest rate environment.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1514743/000094337425000453/ex99-1.htm"></span></li></ul>

IF Bancorp | 8-K: FY2026 Q1 Revenue: USD 12.23 M