diff --git a/fs/ext4/page-io.c b/fs/ext4/page-io.c
index c5ca99b33c26..58cdbd836fd6 100644
--- a/fs/ext4/page-io.c
+++ b/fs/ext4/page-io.c
@@ -439,14 +439,23 @@ static void io_submit_init_bio(struct ext4_io_submit *io,
 	wbc_init_bio(io->io_wbc, bio);
 }
 
+static bool io_submit_need_new_bio(struct ext4_io_submit *io,
+				   struct buffer_head *bh)
+{
+	if (bh->b_blocknr != io->io_next_block)
+		return true;
+	if (!fscrypt_mergeable_bio_bh(io->io_bio, bh))
+		return true;
+	return false;
+}
+
 static void io_submit_add_bh(struct ext4_io_submit *io,
 			     struct inode *inode,
 			     struct folio *folio,
 			     struct folio *io_folio,
 			     struct buffer_head *bh)
 {
-	if (io->io_bio && (bh->b_blocknr != io->io_next_block ||
-			   !fscrypt_mergeable_bio_bh(io->io_bio, bh))) {
+	if (io->io_bio && io_submit_need_new_bio(io, bh)) {
 submit_and_retry:
 		ext4_io_submit(io);
 	}