Total Assets
$918M
Total balance-sheet footings
FDIC Cert #4779 · Syracuse, Kansas · Est. 1906
Dream First Bank, National Association - FDIC Bank Health Profile
A community-scale look at Dream First Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $918M
- Total assets
- B
- Health grade · Good
- 1.44%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
Dream First Bank, National Association earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.44% Tier 1, profitable at 1.44% ROA, 67% efficiency ratio.
- #1,125
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 12.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Dream First Bank, National Association's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Dream First Bank, National Association's composite health score
Tier 1 Capital Ratio (12.44%) 35/40
Return on Assets (ROA) (1.44%) 20/25
Texas Ratio (7.31%) 16/20
Efficiency Ratio (66.79%) 8/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$801M
Customer-funded liabilities
Net Loans
$607M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Dream First Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dream First Bank, National Association's score of 79/100 falls in the highlighted band.
Dream First Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Dream First Bank, National Association's $918M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.44%
Texas Ratio
7.31%
Equity Capital
$92M
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
14.92%
Efficiency Ratio
66.79%
What the numbers say about Dream First Bank, National Association
Dream First Bank, National Association is an FDIC-insured institution (Certificate #4779) headquartered in Syracuse, Kansas, established in 1906. It holds $918M in total assets - 1,125th of 4,313 FDIC-insured banks, $801M in customer deposits, and $607M in net loans. Looking at capital strength, Tier 1 stands at 12.44%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 7.31%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (79/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, Dream First Bank, National Association ranks 21st of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$53M
Interest Income
$6M
Non-Interest Income
$28M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Dream First Bank, National Association reports a Texas Ratio of 7.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dream First Bank, National Association (FDIC Cert #4779) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Dream First Bank, National Association's health grade?▼
Dream First Bank, National Association receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Dream First Bank, National Association?▼
Dream First Bank, National Association holds $918M in total assets and $801M in deposits, ranking 1,125th of 4,313 FDIC-insured banks by asset size. It is headquartered in Syracuse, Kansas.
Is my money safe at Dream First Bank, National Association?▼
Yes, deposits at Dream First Bank, National Association (Certificate #4779) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Dream First Bank, National Association's Tier 1 Capital Ratio?▼
Dream First Bank, National Association has a Tier 1 Capital Ratio of 12.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Dream First Bank, National Association?▼
Dream First Bank, National Association has a Texas Ratio of 7.31%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Dream First Bank, National Association?▼
Dream First Bank, National Association has an Efficiency Ratio of 66.79%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Dream First Bank, National Association's profile as a depositor or analyst.
- Dream First Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Dream First Bank, National Association against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.