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Dream First Bank, National Association
Syracuse, KS · FDIC Certificate #4779 · Chartered 02/1
Total assets
$963.67M
Total deposits
$850.45M
Total equity
$96.00M
Net loans
$653.92M
Branches (offices)
13
Net income (YTD)
$5.04M
Rank: #1,076 of 4,213 U.S. banks by assets · #21 of 183 in Kansas. Assets changed 4.6% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 10.82% |
| Net interest margin (YTD) | 4.86% |
| Equity to assets | 9.96% |
| Tier 1 leverage ratio | 9.69% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 1.86% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 76.9% |
| Real estate loans (share of loans) | 59.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $390.00M | 59.6% | |
| Commercial & industrial | $155.12M | 23.7% | |
| Consumer / individual | $12.54M | 1.9% | |
| Construction & development | $455.00K | 0.1% | |
| Agricultural | $99.08M | 15.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $444.42M | $389.79M | $3.23M | $43.57M |
| Jun 2023 | $511.09M | $454.62M | $3.99M | $48.21M |
| Jun 2024 | $643.15M | $579.70M | $3.99M | $60.00M |
| Jun 2025 | $920.99M | $830.88M | $6.02M | $84.76M |
| Jun 2026 | $963.67M | $850.45M | $5.04M | $96.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $698.35M | 9 |
| Oklahoma | $152.10M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $850.45M.
Similar-sized banks
Oak View National Bank ($966.14M) · Harleysville Bank ($963.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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