<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13g" xmlns:com="http://www.sec.gov/edgar/common">
<headerData>
<submissionType>SCHEDULE 13G/A</submissionType>
<previousAccessionNumber>0000943374-25-000043</previousAccessionNumber>
<filerInfo>
<filer>
<filerCredentials>
<cik>0002053935</cik>
<ccc>XXXXXXXX</ccc>
</filerCredentials>
</filer>
<liveTestFlag>LIVE</liveTestFlag>



</filerInfo>
</headerData>
<formData>
<coverPageHeader>
<amendmentNo>1</amendmentNo>
<securitiesClassTitle>Common Stock, par value $0.01 per share</securitiesClassTitle>
<eventDateRequiresFilingThisStatement>12/31/2025</eventDateRequiresFilingThisStatement>
<issuerInfo>
<issuerCik>0001514743</issuerCik>
<issuerName>IF BANCORP, INC.</issuerName>
<issuerCusip>44951J105</issuerCusip>
<issuerPrincipalExecutiveOfficeAddress>
<com:street1>201 E. Cherry Street</com:street1>
<com:city>Watseka</com:city>
<com:stateOrCountry>IL</com:stateOrCountry>
<com:zipCode>60970</com:zipCode>
</issuerPrincipalExecutiveOfficeAddress>
</issuerInfo>
<designateRulesPursuantThisScheduleFiled>
<designateRulePursuantThisScheduleFiled>Rule 13d-1(b)</designateRulePursuantThisScheduleFiled>
</designateRulesPursuantThisScheduleFiled>
</coverPageHeader>
<coverPageHeaderReportingPersonDetails>

<reportingPersonName>Iroquois Federal Savings &amp; Loan Association Employee Stock Ownership Plan Trust</reportingPersonName>
<memberGroup>b</memberGroup>
<citizenshipOrOrganization>IL</citizenshipOrOrganization>
<reportingPersonBeneficiallyOwnedNumberOfShares>
<soleVotingPower>115470</soleVotingPower>
<sharedVotingPower>188202</sharedVotingPower>
<soleDispositivePower>285830</soleDispositivePower>
<sharedDispositivePower>17842</sharedDispositivePower>
</reportingPersonBeneficiallyOwnedNumberOfShares>
<reportingPersonBeneficiallyOwnedAggregateNumberOfShares>303672</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
<aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
<classPercent>9.1</classPercent>
<typeOfReportingPerson>EP</typeOfReportingPerson>
</coverPageHeaderReportingPersonDetails>
<items>
<item1>
<issuerName>IF BANCORP, INC.</issuerName>
<issuerPrincipalExecutiveOfficeAddress>201 E. Cherry Street, Watseka, Illinois, 60970</issuerPrincipalExecutiveOfficeAddress>
</item1>
<item2>
<filingPersonName>Iroquois Federal Savings and Loan Association&#13;
Employee Stock Ownership Plan Trust&#13;
Trustee: First Trust of MidAmerica&#13;
Services provided by Community Bank of Pleasant Hill</filingPersonName>
<principalBusinessOfficeOrResidenceAddress>3500 N Village Dr. Suite 220&#13;
St. Joseph, Missouri  64506</principalBusinessOfficeOrResidenceAddress>
<citizenship>Illinois</citizenship>
</item2>
<item3>
<notApplicableFlag>N</notApplicableFlag>
<typeOfPersonFiling>EP</typeOfPersonFiling>
</item3>
<item4>
<amountBeneficiallyOwned>303,672</amountBeneficiallyOwned>
<classPercent>9.1</classPercent>
<numberOfSharesPersonHas>
<solePowerOrDirectToVote>115,470</solePowerOrDirectToVote>
<sharedPowerOrDirectToVote>188,202</sharedPowerOrDirectToVote>
<solePowerOrDirectToDispose>285,830</solePowerOrDirectToDispose>
<sharedPowerOrDirectToDispose>17,842</sharedPowerOrDirectToDispose>
</numberOfSharesPersonHas>
</item4>
<item5>
<notApplicableFlag>Y</notApplicableFlag>
</item5>
<item6>
<notApplicableFlag>Y</notApplicableFlag>
</item6>
<item7>
<notApplicableFlag>Y</notApplicableFlag>
</item7>
<item8>
<notApplicableFlag>N</notApplicableFlag>
<identificationAndClassificationOfGroupMembers>The reporting person is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974.</identificationAndClassificationOfGroupMembers>
</item8>
<item9>
<notApplicableFlag>Y</notApplicableFlag>
</item9>
<item10>
<notApplicableFlag>N</notApplicableFlag>
<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.</certifications>
</item10>
</items>
<signatureInformation>
<reportingPersonName>Iroquois Federal Savings &amp; Loan Association Employee Stock Ownership Plan Trust</reportingPersonName>
<signatureDetails>
<signature>/s/ Gerald Lau</signature>
<title>Iroquois Federal Savings &amp; Loan Association Employee Stock Ownership Plan Trust</title>
<date>02/04/2026</date>
</signatureDetails>
</signatureInformation>
</formData>
</edgarSubmission>
