Employee plan holds 9.1% of IF Bancorp (IROQ) common stock

Rhea-AI Filing Summary

IF Bancorp, Inc. received an amended Schedule 13G showing updated ownership by the Iroquois Federal Savings & Loan Association Employee Stock Ownership Plan Trust. The plan reports beneficial ownership of 303,672 shares of common stock, representing 9.1% of the outstanding class as of the reported date.

The trust has sole voting power over 115,470 shares and shared voting power over 188,202 shares. It holds sole dispositive power over 285,830 shares and shared dispositive power over 17,842 shares. The filer certifies the shares are held in the ordinary course and not to influence control.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

IF BANCORP, INC.

(Name of Issuer)

Common Stock, par value $0.01 per share

(Title of Class of Securities)

44951J105

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 44951J105

1

Names of Reporting Persons

Iroquois Federal Savings & Loan Association Employee Stock Ownership Plan Trust

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ILLINOIS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 115,470.00
6	Shared Voting Power 188,202.00
7	Sole Dispositive Power 285,830.00
8	Shared Dispositive Power 17,842.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

303,672.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

9.1 %

12

Type of Reporting Person (See Instructions)

EP

SCHEDULE 13G

Item 1.
(a)	Name of issuer: IF BANCORP, INC.
(b)	Address of issuer's principal executive offices: 201 E. Cherry Street, Watseka, Illinois, 60970
Item 2.
(a)	Name of person filing: Iroquois Federal Savings and Loan Association Employee Stock Ownership Plan Trust Trustee: First Trust of MidAmerica Services provided by Community Bank of Pleasant Hill
(b)	Address or principal business office or, if none, residence: 3500 N Village Dr. Suite 220 St. Joseph, Missouri 64506
(c)	Citizenship: Illinois
(d)	Title of class of securities: Common Stock, par value $0.01 per share
(e)	CUSIP No.: 44951J105
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 303,672
(b)	Percent of class: 9.1 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 115,470
	(ii) Shared power to vote or to direct the vote: 188,202
	(iii) Sole power to dispose or to direct the disposition of: 285,830
	(iv) Shared power to dispose or to direct the disposition of: 17,842
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	If a group has filed this schedule pursuant to §240.13d-1(b)(1)(ii)(J), so indicate under Item 3(j) and attach an exhibit stating the identity and Item 3 classification of each member of the group. If a group has filed this schedule pursuant to §240.13d-1(c) or §240.13d-1(d), attach an exhibit stating the identity of each member of the group. The reporting person is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974.
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Iroquois Federal Savings & Loan Association Employee Stock Ownership Plan Trust

Signature:	/s/ Gerald Lau
Name/Title:	Iroquois Federal Savings & Loan Association Employee Stock Ownership Plan Trust
Date:	02/04/2026

FAQ

What does the Schedule 13G/A filing reveal about IF Bancorp (IROQ) ownership?

The amended Schedule 13G shows that the Iroquois Federal Savings & Loan Association Employee Stock Ownership Plan Trust beneficially owns 303,672 IF Bancorp common shares, or 9.1% of the class. It reports detailed voting and dispositive powers over these shares as of the reported date.

How many IF Bancorp (IROQ) shares does the ESOP trust beneficially own?

The employee stock ownership plan trust beneficially owns 303,672 shares of IF Bancorp common stock. This stake includes various levels of sole and shared voting and dispositive power, and represents 9.1% of the outstanding common stock class according to the filing.

What percentage of IF Bancorp (IROQ) does the ESOP trust hold?

The ESOP trust holds 9.1% of IF Bancorp’s outstanding common stock. This percentage corresponds to beneficial ownership of 303,672 shares, as reported in the Schedule 13G/A, and reflects its role as an employee benefit plan subject to ERISA provisions.

How are voting powers over IF Bancorp (IROQ) shares allocated in the ESOP trust?

The ESOP trust has sole voting power over 115,470 IF Bancorp shares and shared voting power over 188,202 shares. This split shows how authority over shareholder voting is divided between sole and shared control within the plan’s holdings.

What dispositive powers does the ESOP trust have over IF Bancorp (IROQ) shares?

The trust has sole dispositive power over 285,830 IF Bancorp shares and shared dispositive power over 17,842 shares. Dispositive power refers to the ability to sell or otherwise dispose of the shares on behalf of the plan participants.

Is the ESOP trust seeking to influence control of IF Bancorp (IROQ)?

The filing states the securities were acquired and are held in the ordinary course of business. It also certifies they are not held to change or influence control of IF Bancorp, other than activities tied to specific proxy nomination rules.