DREAM FIRST BANK, NATIONAL ASSOCIATION

SYRACUSE, KS | Medium | Est. Feb. 10, 1906, midnight | FDIC #4779 | RSSD #543459 | OCC
Latest Report: 2025-12-31

DREAM FIRST BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in SYRACUSE, KS, established in Feb. 10, 1906, midnight. As of 2025-12-31, the bank reported total assets of $918M and total deposits of $801M. Profitability stands at 0.62% ROA and 6.20% ROE, with a net interest margin of 4.69%. The bank's CET1 capital ratio is 12.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.22% and a Texas Ratio of 9.03%. FDIC Certificate #4779.

Assets

$918M

Deposits

$801M

Loans

$618M

Equity

$92M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 6.20%
Net Interest Margin (NIM) 4.69%
Yield on Assets 6.85%
Cost of Funds 2.19%

Asset Quality

NPL Ratio 1.22%
Net Charge-Off Ratio 0.03%
Texas Ratio 9.03%
NPA Ratio 1.01%
ACL / Loans 1.75%

Capital & Liquidity

CET1 Ratio 12.44%
Tier 1 Capital 12.44%
Total Capital Ratio 13.70%
Leverage Ratio 9.90%
Loan-to-Deposit 77.13%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required