BanksDREAM FIRST BANK, NATIONAL ASSOCIATION

DREAM FIRST BANK, NATIONAL ASSOCIATION

SYRACUSE, KSMediumEst. Feb. 10, 1906, midnightFDIC #4779RSSD #543459OCC
Latest · 2025-12-31

DREAM FIRST BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 12.44%, well above regulatory minimums. NPL ratio: 1.22% · Texas Ratio: 9.03%. Operates 13 domestic branches.

Assets
$918M
Deposits
$801M
Loans
$618M
Equity
$92M

Profitability

Return on Assets (ROA)0.62%
Return on Equity (ROE)6.20%
Net Interest Margin4.69%
Yield on Assets6.85%
Cost of Funds2.19%

Asset Quality

NPL Ratio1.22%
Net Charge-Off Ratio0.03%
Texas Ratio9.03%
NPA Ratio1.01%
ACL / Loans1.75%

Capital & Liquidity

CET1 Ratio12.44%
Tier 1 Capital12.44%
Total Capital Ratio13.70%
Leverage Ratio9.90%
Loan-to-Deposit77.13%

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