Dream First Bank, N.A.
Dream First Bank, N.A. is an FDIC-insured commercial bank headquartered in Syracuse, KS, supervised by the OCC, with $983.1M in total assets at Q3 2026, up 10.2% from Q3 2025, the 21st largest of 182 banks headquartered in Kansas. It was established in 1906 and holds FDIC certificate 4779. Its CET1 capital ratio was 12.08% at Q3 2026, above regulatory requirements.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4779
- Headquarters
- Syracuse, KS
- Established
- 1906
- Total assets, Q3 2026
- $983.1M
- Assets vs Q3 2025
- +10.2%
- CET1 ratio, Q3 2026
- 12.08%
- Domestic offices
- 13 branches
- Routing number
- 101103686
- Safety and soundness
- Is Dream First Bank, N.A. safe?
- Latest call report
- Q3 2026, FFIEC 051 · Dream First Bank, N.A. call report
- Holding company
- LEGACY FINANCIAL, INC.
- Asset rank in state
- 21st of 182 in Kansas
Dream First Bank, N.A., based in Syracuse, Kansas, reported $983 million in assets at September 30, 2026, up 10.2% from a year earlier. It grew its loan book 19.2% over the year, about triple the median of 5.8% for the 2,623 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 33% of its capital, a small fraction of the median of 1.2 times for banks its size.
Its $155 million commercial and industrial book is improving, with 3.31% past due or on nonaccrual, down from 7.22% a year earlier. Earnings fell sharply: quarterly net income of $2.6 million was 42% below a year earlier. Credit is the area to watch: it carries problem assets equal to 13.9% of the capital and reserves that would absorb them, 4.7 times the median of 3.0% for banks its size.
As of September 30, 2026, Dream First Bank, N.A. reported a CET1 capital ratio of 12.08%, a return on assets of 1.04%, a nonperforming-loan ratio of 1.72% and a Texas ratio of 13.89%. The figures come from its call report filed with the FFIEC.
Dream First Bank, N.A. ranks as the 21st largest of the 182 banks based in Kansas, by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 2.0% to $983.1M, loans rose 4.6% and deposits rose 3.0%. The largest part of its loan book on September 30, 2026 was commercial and industrial loans, at 22.4% of total loans, ahead of farmland and other real estate loans at 20.9%. Its 13 offices in the FDIC Summary of Deposits are in 12 cities across 2 states; its Garden City 2 offices book 32% of its branch deposits. By the capital ratios in its Q3 2026 call report, Dream First Bank, N.A. meets every capital ratio test for well capitalized.
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
- Domestic offices
- 13 branches
- Employees (FTE)
- 154
- Domestic deposits
- $875.7M
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- $391K
- Average total assets
- $979.3M
- Average total loans
- $678.2M
- Average interest-bearing deposits
- $678.6M
- 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
Q3 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Dream First Bank, N.A.'s total assets moved between a low of $636.0M (Q1 2024) and a high of $983.1M (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$983.1M total assets against $891.9M; $887.4M total liabilities against $801.9M.
$684.5M net loans and leases against $571.6M; $875.7M total deposits against $798.4M.
$195.4M securities against $198.7M; $15.9M cash and balances due against $15.7M.
$15.3M total interest income against $15.5M; $4.8M total interest expense against $4.8M.
$10.6M net interest income against $10.7M.
$891K total noninterest income against $1.5M; $8.1M total noninterest expense against $8.1M.
No provision recorded in the last 12 quarters.
$2.6M net income against $4.4M.
1.04% return on assets against 1.92%; 4.70% net interest margin against 5.02%.
12.08% CET1 capital ratio against 12.94%; 9.77% tier 1 leverage ratio against 9.40%.
Inside the full Dream First Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDream First Bank, N.A. rankings
Its closest position to the top of a national ranking is 428 of 3,644, for Texas Ratio; its furthest is 1,628 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.63% (Q4 2025) to 2.01% (Q2 2025) and its net interest margin ran from 4.60% (Q4 2025) to 5.02% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.08% | 1.04% | 1.72% | 13.89% | 4.70% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in KS, rank 36 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q3 2026 filing, Dream First Bank, N.A. reported total assets of $983.1 million in its FFIEC call report.
Where is Dream First Bank, N.A. headquartered?
It is headquartered in Syracuse, KS, United States.
When was Dream First Bank, N.A. founded?
It was established in 1906, per the FDIC institution directory.
Is Dream First Bank, N.A. FDIC-insured?
Yes. It 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.
What is Dream First Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.08% in its Q3 2026 call report, above regulatory requirements.
How many branches does Dream First Bank, N.A. operate?
It 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?
Its Texas Ratio is 13.89% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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