Sec Form 13G Filing - Schwab Gary S. filing for IF Bancorp Inc. (IROQ) - 2024-01-26

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

o  Rule 13d-1(b)

ý  Rule 13d-1(c)

o  Rule 13d-1(d)

* The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

1

2

Item 1.

The name and address of the principal executive offices of the Issuer are:

IF Bancorp, Inc.

201 East Cherry Street

Watseka, Illinois 60970

Item 2.

This statement on Schedule 13G is being filed by:

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)oBroker or dealer registered under section 15 of the Act (15 U.S.C. 78o). 

(b)oBank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c). 

(c)oInsurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c). 

(d)oInvestment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C 80a-8). 

(e)oAn investment adviser in accordance with §240.13d-1(b)(1)(ii)(E); 

(f)oAn employee benefit plan or endowment fund in accordance with §240.13d-1(b)(1)(ii)(F); 

(g)oA parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G); 

(h)oA savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813); 

(i)oA 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)oGroup, in accordance with §240.13d-1(b)(1)(ii)(J). 

3

Item 4.  Ownership

See Items 5-9 and 11 of the cover page for each Filer.

The sum totals for all filers are as below.

Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1.

(a)Amount beneficially owned:    277,427 

Note: The WGL Schwab Trust holds 9,551 shares of which Gary S. Schwab owns a 1/3rd beneficial interest, or 3,183 shares. Since he has no voting or dispositive power over them, those shares are not included.

(b)Percent of class:   8.27% 

8.27% of the 3,354,626 shares of Common Stock outstanding as of December 31, 2023.

(c)Number of shares as to which the person has: 

(i)Sole power to vote or to direct the vote:   277,427 

(ii)Shared power to vote or to direct the vote:   0 

(iii)Sole power to dispose or to direct the disposition of:   277,427 

(iv)Shared power to dispose or to direct the disposition of:   0 

Item 5.  Ownership of Five Percent or Less of a Class

If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following  o

Item 6.  Ownership of More than Five 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

Not applicable.

Item 8.  Identification and Classification of Members of the Group

Not applicable.

Item 9.  Notice of Dissolution of Group

Not applicable.

Item 10.  Certification

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above 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.

4

SIGNATURES

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.

----------------------------------

I.Shares of IROQ over which he has sole voting and dispositive power: 

Roth IRA of Gary S. Schwab

Fidelity Investments, Inc., Custodian101,640 shares 

Charles Schwab & Co., Inc.’s  Schwab One Account of

Gary S. Schwab172,615 shares 

TD Ameritrade Self-Directed Brokerage Account for participants of

HSA Bank, Custodian

f/b/o Gary S. Schwab    3,172 shares 

SHARES277,427 shares 

II.Shares of IROQ over which he has no voting or dispositive power: 

Charles Schwab & Co., Inc.'s brokerage account for the WGL Schwab Trust holds 9,551 shares of which Gary S. Schwab owns a 1/3rd beneficial interest, or 3,183 shares, but over which he has no voting or dispositive power.

   3,183 shares

TOTAL SHARES280,610 shares 

5