Dream First Bank, National Association
Syracuse, KS
IDRSSD: 543459
Total Assets
$891.93M
Latest filing
Total Deposits
$798.41M
Latest filing
Net Interest Margin
5.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Dream First Bank, National Association
11 N Main St
Syracuse, KS 67878
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/10/1906FDIC Certificate 3192
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Dream First Bank, National Association (Main) | 11 N Main St | Syracuse, KS |
| ATTICA BRANCH | 114 N Main St | Attica, KS |
| ULYSSES BRANCH | 1100 W Oklahoma Ave | Ulysses, KS |
| JOHNSON BRANCH | 509 N Main St | Johnson, KS |
| WOODWARD BRANCH | 2519 Williams Ave | Woodward, OK |
| ALVA BRANCH | 604 Flynn St | Alva, OK |
| ARLINGTON BRANCH | 116 S Lincoln St | Arlington, KS |
| ELKHART BRANCH | 601 Morton St | Elkhart, KS |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/10/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67878 |
| State and County Number | 20075 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 155 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/20/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.dreamfirst.bank |
| Data Updated | 11/14/2025 |
| CERT | 4779 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $891.93M |
| Total Deposits | $798.41M |
| Total Liabilities | $801.91M |
| Total Equity Capital | $90.01M |
| Net Income | $4.41M |
| Net Loans and Leases | $571.64M |
| Assets Per Employee ($Millions) | $5.87M |
| Bank Premises and Fixed Assets | $37.08M |
| Cash and Balances due from Depository Institutions | $15.74M |
| Deposits Held in Domestic Offices | $798.41M |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 20.19% |
| Net Interest Margin | 5.23% |
| Efficiency Ratio | 66.64% |
| Tier 1 Risk-Based Capital Ratio | 12.935% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.092% |
| Earning Assets to total Assets | 90.27% |
Income and Expense
| Total Interest Income | $15.54M |
| Total Noninterest Income | $1.49M |
| Total Interest Expense | $4.81M |
| Total Noninterest Expense | $8.14M |
| Net Interest Income | $10.73M |
| Pre-tax Net Operating Income | $4.08M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $604.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $28.15M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.50M |
| Total Liabilities and Capital | $891.93M |
Securities
| Securities | $198.75M |
| Available-for-sale debt securities | $198.70M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Dream First Bank, National Association?
$891.93M as of the latest filing.
How much are Dream First Bank, National Association's total deposits?
$798.41M in total deposits.
Where is Dream First Bank, National Association located?
Syracuse, KS.
What is the Net Interest Margin?
5.23%.
How many domestic offices does it operate?
13.
When was it established?
02/10/1906.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$571.64M (latest filing).
What is the total interest income (latest filing)?
$15.54M.