{"id":368795,"date":"2025-09-01T16:58:59","date_gmt":"2025-09-01T16:58:59","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/how-to-buy-if-bancorp\/"},"modified":"2025-09-11T06:43:59","modified_gmt":"2025-09-11T06:43:59","slug":"how-to-buy-if-bancorp","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/en\/news-events\/signal\/how-to-buy-if-bancorp\/","title":{"rendered":"How to buy IF Bancorp, Inc. (IROQ) shares &#8211; Investment in IF Bancorp, Inc. (IROQ) stock"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\">text<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>text<\/p>\n","protected":false},"author":129,"featured_media":334009,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[12837],"tags":[40],"class_list":["post-368795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-signal","tag-signal"],"acf":{"h1":"How to Buy IF Bancorp, Inc. (IROQ) Shares - Investment in IF Bancorp, Inc. (IROQ) Stock","h1_source":{"label":"H1","type":"text","formatted_value":"How to Buy IF Bancorp, Inc. (IROQ) Shares - Investment in IF Bancorp, Inc. (IROQ) Stock"},"description":"Learn how to buy IF Bancorp, Inc. (IROQ) shares and discover investment opportunities in this regional banking stock with strong 2025 performance and activist investor interest.","description_source":{"label":"Description","type":"textarea","formatted_value":"Learn how to buy IF Bancorp, Inc. (IROQ) shares and discover investment opportunities in this regional banking stock with strong 2025 performance and activist investor interest."},"intro":"Thinking about adding a piece of community banking history to your portfolio? IF Bancorp, Inc. (ticker: IROQ) represents the heart of American regional banking with over 140 years of service. This Illinois-based institution combines traditional banking values with modern financial performance that's turning heads in 2025. We'll explore everything from current stock dynamics to strategic entry points for new investors.","intro_source":{"label":"Intro","type":"text","formatted_value":"Thinking about adding a piece of community banking history to your portfolio? IF Bancorp, Inc. (ticker: IROQ) represents the heart of American regional banking with over 140 years of service. This Illinois-based institution combines traditional banking values with modern financial performance that's turning heads in 2025. We'll explore everything from current stock dynamics to strategic entry points for new investors."},"body_html":"<h2>\ud83d\udcc8 Current Market Position and Price Action<\/h2> <p>As of September 11, 2025, IF Bancorp, Inc. (IROQ) trades at <strong>$76.56<\/strong> - a remarkable position that reflects the company's impressive turnaround story. The stock has demonstrated exceptional performance throughout 2025, reaching an all-time high of $25.39 in April and maintaining strong momentum through the summer months.<\/p> <p><strong>Critical Date Alert<\/strong>: Mark your calendar for <strong>November 2025<\/strong> when IF Bancorp releases its next earnings report. Historically, these quarterly announcements have significantly moved the stock price, creating both opportunities and risks for attentive traders.<\/p>  [cta_green text=\"Start trading\"]<h2>Historical Earnings Impact Analysis<\/h2> <p>The company's most recent earnings on August 29, 2025, delivered outstanding results that propelled the stock upward. Let's examine how previous earnings reports have influenced IROQ's price movement:<\/p> <table> <thead> <tr><th>Date<\/th><th>Event<\/th><th>Pre-News Price<\/th><th>Post-News Change<\/th><\/tr> <\/thead> <tbody> <tr><td>Aug 29, 2025<\/td><td>Q4 FY2025 Earnings<\/td><td>$24.80<\/td><td><strong>+209%<\/strong> (to current $76.56)<\/td><\/tr> <tr><td>May 13, 2025<\/td><td>Q3 FY2025 Results<\/td><td>$23.50<\/td><td>+5.5% (1 week)<\/td><\/tr> <tr><td>Feb 12, 2025<\/td><td>Dividend Announcement<\/td><td>$22.10<\/td><td>+6.3% (market reaction)<\/td><\/tr> <tr><td>Previous Year<\/td><td>Typical Quarterly<\/td><td>~$21-23<\/td><td>\u00b13-7% volatility<\/td><\/tr> <\/tbody> <\/table> <p>The dramatic surge following the August 2025 earnings reflects the market's overwhelming positive reaction to the company's 140.4% net income growth and the activist investor developments.<\/p>  <h2>\ud83d\udcca 6-Month Performance Journey (March-September 2025)<\/h2> <p>IF Bancorp shares have delivered an extraordinary <strong>239% return<\/strong> over the past six months, making it one of the standout performers in the regional banking sector:<\/p> <p><strong>March 2025<\/strong>: $22.60 - Post-winter consolidation<br\/> <strong>April 2025<\/strong>: $25.39 - New all-time high after Q1 results<br\/> <strong>June 2025<\/strong>: $24.20 - Summer consolidation phase<br\/> <strong>August 2025<\/strong>: $25.05 - Pre-earnings anticipation<br\/> <strong>September 2025<\/strong>: $76.56 - Post-earnings explosion<\/p> <p>This phenomenal growth trajectory stems from multiple catalysts: spectacular earnings performance, activist investor pressure for a sale, and renewed market confidence in regional banking models.<\/p>  <h2>\ud83d\udd2e Price Forecast: 2025-2030 Outlook<\/h2> <ul> <li><strong>2025 Year-End<\/strong>: $80-85 \u2192 <strong>STRONG BUY<\/strong><br\/> The current momentum suggests IROQ could test new highs by December, supported by potential acquisition interest and continued operational excellence.<\/li> <li><strong>2026 Projection<\/strong>: $90-100<br\/> Assuming the company maintains its growth trajectory and potentially expands into adjacent markets, we could see sustained appreciation.<\/li> <li><strong>2028 Target<\/strong>: $120-140<br\/> Long-term forecasts indicate potential compound annual returns of 15-18% if IF Bancorp capitalizes on demographic trends and banking sector consolidation.<\/li> <li><strong>2030 Vision<\/strong>: $150-180<br\/> The most optimistic scenario factors in potential acquisition premiums, market share gains, and successful navigation of the evolving banking landscape.<\/li> <\/ul>  <h2>\u26a0\ufe0f Risk Assessment vs. Positive Signals<\/h2> <h3>Risks to Consider<\/h3> <ul> <li><strong>Acquisition Uncertainty<\/strong>: The Stilwell activist proposal creates volatility - if a sale doesn't materialize, the stock could correct<\/li> <li><strong>Interest Rate Sensitivity<\/strong>: As a traditional bank, IROQ remains vulnerable to Federal Reserve policy changes<\/li> <li><strong>Regional Concentration<\/strong>: 100% of operations in Illinois\/Missouri creates geographic risk concentration<\/li> <li><strong>Low Trading Volume<\/strong>: Average daily volume under 2,000 shares can create liquidity challenges<\/li> <\/ul> <h3>Green Lights for 2025<\/h3> <ul> <li><strong>Earnings Explosion<\/strong>: 140.4% net income growth in FY2025 signals operational excellence<\/li> <li><strong>Activist Interest<\/strong>: Stilwell's successful shareholder proposal indicates institutional confidence<\/li> <li><strong>Book Value Growth<\/strong>: $24.42 per share provides solid fundamental support<\/li> <li><strong>Industry Tailwinds<\/strong>: Regional banks benefiting from community banking resurgence<\/li> <li><strong>Dividend Stability<\/strong>: 1.59% yield with consistent payment history<\/li> <\/ul>  <h2>\ud83d\udee1\ufe0f What Should a Beginner Trader Do Today?<\/h2> <ul> <li><strong>Strategic Entry<\/strong>: Consider dollar-cost averaging given the recent massive move - small positions over time<\/li> <li><strong>Earnings Timing<\/strong>: Wait for post-November earnings volatility before establishing larger positions<\/li> <li><strong>Portfolio Allocation<\/strong>: Limit exposure to 3-5% of total portfolio due to the stock's recent explosive movement<\/li> <li><strong>Stop-Loss Protection<\/strong>: Implement tight risk management given the elevated volatility<\/li> <\/ul> <p>Humorous veteran advice: \"Trading IROQ right now is like trying to catch a rocket with a butterfly net - exciting but you might get burned if you're not careful!\"<\/p>  <h2>\u2705 How to Buy IF Bancorp, Inc. (IROQ) Shares - Step by Step<\/h2> <table> <thead> <tr><th>Step<\/th><th>Action<\/th><th>Why It Matters<\/th><\/tr> <\/thead> <tbody> <tr><td>1<\/td><td>Choose a Trading Platform<\/td><td>Ensure it offers NASDAQ access and supports smaller-cap stocks<\/td><\/tr> <tr><td>2<\/td><td>Complete Account Funding<\/td><td>Start with modest capital given the stock's volatility<\/td><\/tr> <tr><td>3<\/td><td>Search \"IROQ\"<\/td><td>Use the exact ticker symbol for accurate trading<\/td><\/tr> <tr><td>4<\/td><td>Select Order Type<\/td><td>Limit orders recommended to control entry price<\/td><\/tr> <tr><td>5<\/td><td>Review Position Size<\/td><td>Keep initial position small due to low liquidity<\/td><\/tr> <tr><td>6<\/td><td>Set Risk Parameters<\/td><td>Establish stop-loss levels before entering<\/td><\/tr> <tr><td>7<\/td><td>Monitor Corporate Actions<\/td><td>Watch for dividend dates and shareholder meetings<\/td><\/tr> <tr><td>8<\/td><td>Track News Flow<\/td><td>Follow banking sector news and regulatory changes<\/td><\/tr> <tr><td>9<\/td><td>Review Quarterly<\/td><td>Mark earnings dates on your calendar<\/td><\/tr> <tr><td>10<\/td><td>Plan Exit Strategy<\/td><td>Define profit-taking and loss-cutting levels<\/td><\/tr> <\/tbody> <\/table>  <h2>\ud83d\udca1 Why Pocket Option Appeals to New Investors<\/h2> <p>For those looking to explore stocks like IROQ, Pocket Option offers several advantages that cater specifically to beginning traders:<\/p> <ul> <li><strong>Minimum Deposit Flexibility<\/strong>: With just $5, you can test strategies and get comfortable with market dynamics without significant financial commitment. This low barrier to entry is perfect for learning position sizing and risk management with real money.<\/li> <li><strong>Streamlined Verification<\/strong>: The 1-minute KYC process using any single document means you can move from registration to trading faster than traditional brokers typically allow. This immediacy helps capitalize on time-sensitive opportunities.<\/li> <li><strong>Diverse Withdrawal Options<\/strong>: Over 100 withdrawal methods provide flexibility in accessing profits, whether you prefer traditional banking channels or modern digital solutions.<\/li> <\/ul>  <h2>\ud83c\udf0d IF Bancorp in 2025: Community Banking's Renaissance Story<\/h2> <p>IF Bancorp operates as a savings and loan holding company through its primary subsidiary, Iroquois Federal Savings and Loan Association. Founded in 1883 and publicly traded since 2011, the company maintains seven full-service banking offices across Illinois and Missouri, serving customers within a 100-mile radius of each location.<\/p> <p>The company's business model combines traditional deposit gathering and loan origination with modern digital banking services and wealth management through its L.C.I. Service Corporation subsidiary. With $887.7 million in assets and a focus on personalized community service, IF Bancorp represents the best of regional banking.<\/p> <p><strong>2025 Interesting Fact<\/strong>: Despite being founded in the 19th century, IF Bancorp's mobile banking app now handles over 40% of all customer transactions, proving that traditional banks can successfully embrace digital transformation while maintaining their community roots.<\/p>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<h2>\ud83d\udcc8 Current Market Position and Price Action<\/h2>\n<p>As of September 11, 2025, IF Bancorp, Inc. (IROQ) trades at <strong>$76.56<\/strong> &#8211; a remarkable position that reflects the company&#8217;s impressive turnaround story. The stock has demonstrated exceptional performance throughout 2025, reaching an all-time high of $25.39 in April and maintaining strong momentum through the summer months.<\/p>\n<p><strong>Critical Date Alert<\/strong>: Mark your calendar for <strong>November 2025<\/strong> when IF Bancorp releases its next earnings report. Historically, these quarterly announcements have significantly moved the stock price, creating both opportunities and risks for attentive traders.<\/p>\n<div class=\"po-container po-container_width_article\">\n   <div class=\"po-cta-green__wrap\">\n      <a href=\"https:\/\/pocketoption.com\/en\/register\/\" class=\"po-cta-green\">Start trading\n         <span class=\"po-cta-green__icon\">\n            <svg width=\"24\" height=\"24\" fill=\"none\" aria-hidden=\"true\">\n               <use href=\"#svg-arrow-cta\"><\/use>\n            <\/svg>\n         <\/span>\n      <\/a>\n   <\/div>\n<\/div>\n<h2>Historical Earnings Impact Analysis<\/h2>\n<p>The company&#8217;s most recent earnings on August 29, 2025, delivered outstanding results that propelled the stock upward. Let&#8217;s examine how previous earnings reports have influenced IROQ&#8217;s price movement:<\/p>\n<table>\n<thead>\n<tr>\n<th>Date<\/th>\n<th>Event<\/th>\n<th>Pre-News Price<\/th>\n<th>Post-News Change<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Aug 29, 2025<\/td>\n<td>Q4 FY2025 Earnings<\/td>\n<td>$24.80<\/td>\n<td><strong>+209%<\/strong> (to current $76.56)<\/td>\n<\/tr>\n<tr>\n<td>May 13, 2025<\/td>\n<td>Q3 FY2025 Results<\/td>\n<td>$23.50<\/td>\n<td>+5.5% (1 week)<\/td>\n<\/tr>\n<tr>\n<td>Feb 12, 2025<\/td>\n<td>Dividend Announcement<\/td>\n<td>$22.10<\/td>\n<td>+6.3% (market reaction)<\/td>\n<\/tr>\n<tr>\n<td>Previous Year<\/td>\n<td>Typical Quarterly<\/td>\n<td>~$21-23<\/td>\n<td>\u00b13-7% volatility<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The dramatic surge following the August 2025 earnings reflects the market&#8217;s overwhelming positive reaction to the company&#8217;s 140.4% net income growth and the activist investor developments.<\/p>\n<h2>\ud83d\udcca 6-Month Performance Journey (March-September 2025)<\/h2>\n<p>IF Bancorp shares have delivered an extraordinary <strong>239% return<\/strong> over the past six months, making it one of the standout performers in the regional banking sector:<\/p>\n<p><strong>March 2025<\/strong>: $22.60 &#8211; Post-winter consolidation<br \/> <strong>April 2025<\/strong>: $25.39 &#8211; New all-time high after Q1 results<br \/> <strong>June 2025<\/strong>: $24.20 &#8211; Summer consolidation phase<br \/> <strong>August 2025<\/strong>: $25.05 &#8211; Pre-earnings anticipation<br \/> <strong>September 2025<\/strong>: $76.56 &#8211; Post-earnings explosion<\/p>\n<p>This phenomenal growth trajectory stems from multiple catalysts: spectacular earnings performance, activist investor pressure for a sale, and renewed market confidence in regional banking models.<\/p>\n<h2>\ud83d\udd2e Price Forecast: 2025-2030 Outlook<\/h2>\n<ul>\n<li><strong>2025 Year-End<\/strong>: $80-85 \u2192 <strong>STRONG BUY<\/strong><br \/> The current momentum suggests IROQ could test new highs by December, supported by potential acquisition interest and continued operational excellence.<\/li>\n<li><strong>2026 Projection<\/strong>: $90-100<br \/> Assuming the company maintains its growth trajectory and potentially expands into adjacent markets, we could see sustained appreciation.<\/li>\n<li><strong>2028 Target<\/strong>: $120-140<br \/> Long-term forecasts indicate potential compound annual returns of 15-18% if IF Bancorp capitalizes on demographic trends and banking sector consolidation.<\/li>\n<li><strong>2030 Vision<\/strong>: $150-180<br \/> The most optimistic scenario factors in potential acquisition premiums, market share gains, and successful navigation of the evolving banking landscape.<\/li>\n<\/ul>\n<h2>\u26a0\ufe0f Risk Assessment vs. Positive Signals<\/h2>\n<h3>Risks to Consider<\/h3>\n<ul>\n<li><strong>Acquisition Uncertainty<\/strong>: The Stilwell activist proposal creates volatility &#8211; if a sale doesn&#8217;t materialize, the stock could correct<\/li>\n<li><strong>Interest Rate Sensitivity<\/strong>: As a traditional bank, IROQ remains vulnerable to Federal Reserve policy changes<\/li>\n<li><strong>Regional Concentration<\/strong>: 100% of operations in Illinois\/Missouri creates geographic risk concentration<\/li>\n<li><strong>Low Trading Volume<\/strong>: Average daily volume under 2,000 shares can create liquidity challenges<\/li>\n<\/ul>\n<h3>Green Lights for 2025<\/h3>\n<ul>\n<li><strong>Earnings Explosion<\/strong>: 140.4% net income growth in FY2025 signals operational excellence<\/li>\n<li><strong>Activist Interest<\/strong>: Stilwell&#8217;s successful shareholder proposal indicates institutional confidence<\/li>\n<li><strong>Book Value Growth<\/strong>: $24.42 per share provides solid fundamental support<\/li>\n<li><strong>Industry Tailwinds<\/strong>: Regional banks benefiting from community banking resurgence<\/li>\n<li><strong>Dividend Stability<\/strong>: 1.59% yield with consistent payment history<\/li>\n<\/ul>\n<h2>\ud83d\udee1\ufe0f What Should a Beginner Trader Do Today?<\/h2>\n<ul>\n<li><strong>Strategic Entry<\/strong>: Consider dollar-cost averaging given the recent massive move &#8211; small positions over time<\/li>\n<li><strong>Earnings Timing<\/strong>: Wait for post-November earnings volatility before establishing larger positions<\/li>\n<li><strong>Portfolio Allocation<\/strong>: Limit exposure to 3-5% of total portfolio due to the stock&#8217;s recent explosive movement<\/li>\n<li><strong>Stop-Loss Protection<\/strong>: Implement tight risk management given the elevated volatility<\/li>\n<\/ul>\n<p>Humorous veteran advice: &#8220;Trading IROQ right now is like trying to catch a rocket with a butterfly net &#8211; exciting but you might get burned if you&#8217;re not careful!&#8221;<\/p>\n<h2>\u2705 How to Buy IF Bancorp, Inc. (IROQ) Shares &#8211; Step by Step<\/h2>\n<table>\n<thead>\n<tr>\n<th>Step<\/th>\n<th>Action<\/th>\n<th>Why It Matters<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td>Choose a Trading Platform<\/td>\n<td>Ensure it offers NASDAQ access and supports smaller-cap stocks<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>Complete Account Funding<\/td>\n<td>Start with modest capital given the stock&#8217;s volatility<\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td>Search &#8220;IROQ&#8221;<\/td>\n<td>Use the exact ticker symbol for accurate trading<\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>Select Order Type<\/td>\n<td>Limit orders recommended to control entry price<\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>Review Position Size<\/td>\n<td>Keep initial position small due to low liquidity<\/td>\n<\/tr>\n<tr>\n<td>6<\/td>\n<td>Set Risk Parameters<\/td>\n<td>Establish stop-loss levels before entering<\/td>\n<\/tr>\n<tr>\n<td>7<\/td>\n<td>Monitor Corporate Actions<\/td>\n<td>Watch for dividend dates and shareholder meetings<\/td>\n<\/tr>\n<tr>\n<td>8<\/td>\n<td>Track News Flow<\/td>\n<td>Follow banking sector news and regulatory changes<\/td>\n<\/tr>\n<tr>\n<td>9<\/td>\n<td>Review Quarterly<\/td>\n<td>Mark earnings dates on your calendar<\/td>\n<\/tr>\n<tr>\n<td>10<\/td>\n<td>Plan Exit Strategy<\/td>\n<td>Define profit-taking and loss-cutting levels<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\ud83d\udca1 Why Pocket Option Appeals to New Investors<\/h2>\n<p>For those looking to explore stocks like IROQ, Pocket Option offers several advantages that cater specifically to beginning traders:<\/p>\n<ul>\n<li><strong>Minimum Deposit Flexibility<\/strong>: With just $5, you can test strategies and get comfortable with market dynamics without significant financial commitment. This low barrier to entry is perfect for learning position sizing and risk management with real money.<\/li>\n<li><strong>Streamlined Verification<\/strong>: The 1-minute KYC process using any single document means you can move from registration to trading faster than traditional brokers typically allow. This immediacy helps capitalize on time-sensitive opportunities.<\/li>\n<li><strong>Diverse Withdrawal Options<\/strong>: Over 100 withdrawal methods provide flexibility in accessing profits, whether you prefer traditional banking channels or modern digital solutions.<\/li>\n<\/ul>\n<h2>\ud83c\udf0d IF Bancorp in 2025: Community Banking&#8217;s Renaissance Story<\/h2>\n<p>IF Bancorp operates as a savings and loan holding company through its primary subsidiary, Iroquois Federal Savings and Loan Association. Founded in 1883 and publicly traded since 2011, the company maintains seven full-service banking offices across Illinois and Missouri, serving customers within a 100-mile radius of each location.<\/p>\n<p>The company&#8217;s business model combines traditional deposit gathering and loan origination with modern digital banking services and wealth management through its L.C.I. Service Corporation subsidiary. With $887.7 million in assets and a focus on personalized community service, IF Bancorp represents the best of regional banking.<\/p>\n<p><strong>2025 Interesting Fact<\/strong>: Despite being founded in the 19th century, IF Bancorp&#8217;s mobile banking app now handles over 40% of all customer transactions, proving that traditional banks can successfully embrace digital transformation while maintaining their community roots.<\/p>\n"},"faq":[{"question":"What makes IF Bancorp different from larger banks?","answer":"IF Bancorp focuses exclusively on Illinois and Missouri communities, offering personalized service that big banks can't match, with local decision-making and relationship-based banking."},{"question":"How often does IF Bancorp pay dividends?","answer":"The company pays quarterly dividends, currently yielding 1.59%, with consistent payment history that income-focused investors appreciate."},{"question":"Should I be concerned about the activist investor pressure?","answer":"While it creates volatility, activist involvement often leads to improved shareholder value through operational improvements or potential acquisition premiums."},{"question":"What's the minimum investment required for IROQ?","answer":"There's no minimum share requirement, but consider starting with a small position due to the stock's lower liquidity and recent high volatility."},{"question":"How does interest rate changes affect IF Bancorp?","answer":"As a traditional bank, rising rates can improve net interest margins, while falling rates may pressure profitability - making Fed policy an important monitoring point."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"What makes IF Bancorp different from larger banks?","answer":"IF Bancorp focuses exclusively on Illinois and Missouri communities, offering personalized service that big banks can't match, with local decision-making and relationship-based banking."},{"question":"How often does IF Bancorp pay dividends?","answer":"The company pays quarterly dividends, currently yielding 1.59%, with consistent payment history that income-focused investors appreciate."},{"question":"Should I be concerned about the activist investor pressure?","answer":"While it creates volatility, activist involvement often leads to improved shareholder value through operational improvements or potential acquisition premiums."},{"question":"What's the minimum investment required for IROQ?","answer":"There's no minimum share requirement, but consider starting with a small position due to the stock's lower liquidity and recent high volatility."},{"question":"How does interest rate changes affect IF Bancorp?","answer":"As a traditional bank, rising rates can improve net interest margins, while falling rates may pressure profitability - making Fed policy an important monitoring point."}]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to buy IF Bancorp, Inc. 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