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IF Bancorp Balance Sheet 2025-2010 | IROQ
Brief overview of IF Bancorp's financial position
The balance sheet is assessed across five available annual reports spanning 2021 to 2025.
Assets grew from $797.3 million to $887.7 million. An increase of +11.3% at roughly 2.7% CAGR was not especially fast.
Liabilities followed the scale of the balance sheet: +13.2% versus +11.3% for assets. Leverage did not change materially.
Given the financial profile, the capital cushion is the main focus. It covers 9.2% of assets versus 10.7% five periods ago.
By the end of the period, accumulated earnings were $46.9 million; the change from the start was +31.6%.
Overall assessment
IF Bancorp has a workable but not unconditionally strong balance sheet. Resilience depends on sustained earnings and liability control.
Annual Balance Sheet IF Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | 1.03 M | 108 M | 187 M | 156 M | 182 M | 215 M | 228 M | 281 M | 66.6 M | -38.3 M | - |
Long Term Debt |
- | - | - | - | - | 34.5 M | 24 M | 67.5 M | 53.5 M | 67 M | 58 M | 56.8 M | 87.5 M | 75 M | 22.5 M | - |
Total Non Current Liabilities |
- | - | - | - | - | 3 M | 24 M | 67.5 M | 53.5 M | 67 M | 58 M | 56.8 M | 87.5 M | - | - | - |
Total Liabilities |
806 M | 814 M | 777 M | 786 M | 712 M | 653 M | 641 M | 557 M | 502 M | 512 M | 483 M | 469 M | 466 M | 425 M | 471 M | - |
Retained Earnings |
46.9 M | 43.9 M | 43.4 M | 40.4 M | 35.6 M | 31.2 M | 35.4 M | 38.9 M | 39.1 M | 37.1 M | 35.5 M | 37.5 M | 39.1 M | 38.7 M | 37.3 M | - |
Total Assets |
888 M | 888 M | 849 M | 858 M | 797 M | 736 M | 724 M | 639 M | 585 M | 596 M | 564 M | 551 M | 548 M | 511 M | 511 M | - |
Cash and Cash Equivalents |
20.1 M | 9.57 M | 11 M | 75.8 M | 62.7 M | 33.5 M | 59.6 M | 4.75 M | 7.77 M | 6.45 M | 13.2 M | 12.7 M | 6.58 M | 8.19 M | 60.5 M | 6.84 M |
Book Value |
81.8 M | 73.9 M | 71.8 M | 71.7 M | 85.3 M | 82.6 M | 82.5 M | 81.7 M | 84 M | 84 M | 80.4 M | 82.1 M | 81.7 M | 86.6 M | 39.4 M | - |
Total Shareholders Equity |
81.8 M | 73.9 M | 71.8 M | 71.7 M | 85.3 M | 82.6 M | 82.5 M | 81.7 M | 84 M | 84 M | 80.4 M | 82.1 M | 81.7 M | 86.6 M | 39.4 M | 37.3 M |
All numbers in USD currency
Quarterly Balance Sheet IF Bancorp
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
806 M | 806 M | 814 M | 814 M | 814 M | 800 M | 809 M | 815 M | 814 M | 833 M | 837 M | 804 M | 777 M | 769 M | 753 M | 739 M | 786 M | 708 M | 686 M | 681 M | 712 M | 712 M | 628 M | 642 M | 653 M | 653 M | 600 M | 601 M | 641 M | 641 M | 586 M | 574 M | 557 M | 557 M | 528 M | 527 M | 502 M | 502 M | 498 M | 505 M | 512 M | 512 M | 480 M | 477 M | 483 M | 483 M | 466 M | 458 M | 469 M | 469 M | 489 M | 458 M | 466 M | 466 M | 435 M | 426 M | 425 M | 425 M | 398 M | 394 M | 471 M | 471 M |
Retained Earnings |
46.9 M | 46.9 M | 43.9 M | 43.9 M | 43.9 M | 45.4 M | 45.1 M | 43.8 M | 43.9 M | 43.4 M | 43.4 M | 43.2 M | 43.4 M | 42.7 M | 42.7 M | 41.3 M | 40.4 M | 39.3 M | 38.7 M | 37 M | 35.6 M | 35.6 M | 33.5 M | 32.1 M | 31.2 M | 31.2 M | 29.9 M | 29.2 M | 35.4 M | 35.4 M | 34.7 M | 39.3 M | 38.9 M | 38.9 M | 38.9 M | 39.6 M | 39.1 M | 39.1 M | 38.1 M | 37.2 M | 37.1 M | 37.1 M | 35.4 M | 35.2 M | 35.5 M | 35.5 M | 38.3 M | 38.1 M | 37.5 M | 37.5 M | 37.2 M | 39.6 M | 39.1 M | 39.1 M | 38.2 M | 39.8 M | 38.7 M | 38.7 M | 37 M | 36 M | 37.3 M | 37.3 M |
Total Assets |
888 M | 888 M | 888 M | 888 M | 888 M | 879 M | 885 M | 893 M | 888 M | 905 M | 911 M | 871 M | 849 M | 843 M | 824 M | 807 M | 858 M | 786 M | 773 M | 767 M | 797 M | 797 M | 713 M | 726 M | 736 M | 736 M | 678 M | 678 M | 724 M | 724 M | 664 M | 655 M | 639 M | 639 M | 611 M | 612 M | 585 M | 585 M | 580 M | 589 M | 596 M | 596 M | 560 M | 558 M | 564 M | 564 M | 550 M | 540 M | 551 M | 551 M | 568 M | 540 M | 548 M | 548 M | 521 M | 514 M | 511 M | 511 M | 482 M | 478 M | 511 M | 511 M |
Cash and Cash Equivalents |
9.57 M | 9.57 M | 11 M | 11 M | 11 M | 8.87 M | 5.91 M | 7.78 M | 9.57 M | 16.1 M | 8.17 M | 13.6 M | 11 M | 9.46 M | 8.44 M | 11.4 M | 75.8 M | 27.7 M | 33.6 M | 28.9 M | 62.7 M | 62.7 M | 7.66 M | 15.7 M | 7.66 M | 15.7 M | 10.8 M | 9.38 M | 10.8 M | 9.38 M | 7.02 M | 7.13 M | 7.02 M | 7.13 M | 6.69 M | 5.45 M | 6.69 M | 5.45 M | 5.54 M | 11.6 M | 5.54 M | 11.6 M | 5.63 M | 13.3 M | 5.63 M | 13.3 M | 10.9 M | 11.6 M | 10.9 M | 11.6 M | 7.02 M | 10.7 M | 7.02 M | 10.7 M | 11.3 M | 12.5 M | 11.3 M | 12.5 M | 14.6 M | 21.7 M | 14.6 M | 21.7 M |
Book Value |
81.8 M | 81.8 M | 73.9 M | 73.9 M | 73.9 M | 78.9 M | 75.9 M | 78.8 M | 73.9 M | 72.4 M | 73.7 M | 66.6 M | 71.8 M | 73.7 M | 71.1 M | 67.5 M | 71.7 M | 78.4 M | 86.5 M | 86 M | 85.3 M | 85.3 M | 84.9 M | 83.5 M | 82.6 M | 82.6 M | 77.7 M | 77.3 M | 82.5 M | 82.5 M | 78.5 M | 81.1 M | 81.7 M | 81.7 M | 83.5 M | 84.7 M | 84 M | 84 M | 82.5 M | 83.8 M | 84 M | 84 M | 80.6 M | 81.1 M | 80.4 M | 80.4 M | 83.7 M | 82.2 M | 82.1 M | 82.1 M | 78.9 M | 82.2 M | 81.7 M | 81.7 M | 85.8 M | 88.3 M | 86.6 M | 86.6 M | 84.1 M | 83.3 M | 39.4 M | 39.4 M |
Total Shareholders Equity |
73.9 M | 73.9 M | 71.8 M | 71.8 M | 71.8 M | 78.9 M | 75.9 M | 78.8 M | 73.9 M | 72.4 M | 73.7 M | 66.6 M | 71.8 M | 73.7 M | 71.1 M | 67.5 M | 71.7 M | 78.4 M | 86.5 M | 86 M | 85.3 M | 86 M | 84.9 M | 84.9 M | 84.9 M | 83.5 M | 77.7 M | 77.7 M | 77.7 M | 77.3 M | 78.5 M | 78.5 M | 78.5 M | 81.1 M | 83.5 M | 84.7 M | 83.5 M | 84.7 M | 82.5 M | 83.8 M | 82.5 M | 83.8 M | 80.6 M | 81.1 M | 80.6 M | 81.1 M | 83.7 M | 82.2 M | 83.7 M | 82.2 M | 78.9 M | 82.2 M | 78.9 M | 82.2 M | 85.8 M | 88.3 M | 85.8 M | 88.3 M | 84.1 M | 83.3 M | 84.1 M | 83.3 M |
All numbers in USD currency
Balance Sheet is a fundamental financial report of IF Bancorp, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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