Dream First Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Dream First Bank, N.A., based in Syracuse, Kansas, reported $964 million in assets at June 30, 2026, up 4.6% from a year earlier. It carries problem assets equal to 14.8% of the capital and reserves that would absorb them, 5.6 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans equal to only 22% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings fell sharply: quarterly net income of $2.4 million was 31% below a year earlier. Over the same year, loans grew 14.7% and deposits grew 2.4%. Where it has less room is capital: it holds common equity equal to 11.92% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Dream First Bank, N.A. reported a CET1 capital ratio of 11.92%, a return on assets of 1.02%, a nonperforming-loan ratio of 1.86% and a Texas ratio of 14.84%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 11 N Main St, Syracuse, KS 67878
- County
- Hamilton
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 10, 1906
- Offices
- 13 domestic
- Employees (FTE)
- 144
- Domestic deposits
- $850.4M
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- $426K
- Average total assets
- $957.1M
- Average total loans
- $657.7M
- Average interest-bearing deposits
- $713.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4779
- Fed RSSD
- 543459
- SEC CIK
- 1812454 → filed by LEGACY FINANCIAL, INC.
- Website
- www.dreamfirst.bank →
- Parent Holding Company
- LEGACY FINANCIAL, INC. (RSSD 4442699)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Dream First Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Dream First Bank, N.A., freeDream First Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Dream First Bank, N.A.
- BancCentral, National Association, effective June 23, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.92% | 1.02% | 1.86% | 14.84% | 4.65% |
| Q1 2026 | 11.93% | 1.11% | 0.95% | 8.21% | 4.70% |
| Q4 2025 | 12.44% | 0.63% | 1.22% | 9.70% | 4.60% |
| Q3 2025 | 12.94% | 1.92% | 2.23% | 14.52% | 5.02% |
| Q2 2025 | 12.09% | 2.01% | 2.28% | 15.77% | 4.65% |
| Q1 2025 | 12.35% | 1.41% | 0.55% | 4.13% | 4.73% |
| Q4 2024 | 11.83% | 1.32% | 0.72% | 5.81% | 4.68% |
| Q3 2024 | 11.56% | 1.26% | 0.77% | 5.94% | 4.47% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Garden City Branch | Garden City , KS | 67846 | $204.1M |
| Dream First Bank, N.A. (main office) | Syracuse , KS | 67878 | $155.0M |
| Elkhart Branch | Elkhart , KS | 67950 | $83.7M |
| Alva Branch | Alva , OK | 73717 | $74.7M |
| Johnson Branch | Johnson , KS | 67855 | $66.5M |
| Garden City East Branch | Garden City , KS | 67846 | $65.4M |
| Woodward Branch | Woodward , OK | 73801 | $63.4M |
| Attica Branch | Attica , KS | 67009 | $44.2M |
| Ulysses Branch | Ulysses , KS | 67880 | $39.5M |
| Hugoton Branch | Hugoton , KS | 67951 | $25.2M |
| Lakin Branch | Lakin , KS | 67860 | $14.7M |
| Enid Branch | Enid , OK | 73701 | $7.3M |
| Cherokee Branch | Cherokee , OK | 73728 | $6.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 23, 2025 | Structure Change | Acquired BancCentral, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 20, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 29, 2023 | Structure Change | Acquired Heartland Tri-State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 28, 2023 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Dream First Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in KS, rank 36 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $8.2M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Dream First Bank, N.A.
What are Dream First Bank, N.A.'s total assets?
As of the Q2 2026 filing, Dream First Bank, N.A. reported total assets of $963.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Dream First Bank, N.A. headquartered?
Dream First Bank, N.A. is headquartered in Syracuse, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Dream First Bank, N.A. founded?
Dream First Bank, N.A. was established in 1906, per the FDIC institution directory.
Is Dream First Bank, N.A. FDIC-insured?
Yes. Dream First Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dream First Bank, N.A.?
Dream First Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Dream First Bank, N.A.'s CET1 capital ratio?
Dream First Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.92% in its Q2 2026 call report, above regulatory requirements.
How many branches does Dream First Bank, N.A. operate?
Dream First Bank, N.A. operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dream First Bank, N.A.'s Texas Ratio?
Dream First Bank, N.A.'s Texas Ratio is 14.84% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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