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Dream First Bank National Association

IDRSSD: 543459
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #543459 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.32% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +16
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -33

The five pillars

Liquidity

StableQoQ +16
75
Sub-score

Liquidity is stable: brokered 16.5%, loans/deposits 68.4%, cash 3.5% of assets.

Cash / Assets
3.48%
Loans / Deposits
68.36%
Brokered %
16.45%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -2
80
Sub-score

Capital position is strong: Tier 1 RBC 12.09%, CET1 12.09%, leverage 11.47%.

Tier 1 RBC
12.09%
CET1
12.09%
Leverage
11.47%
No watch items at this period.

Asset Quality

StableQoQ -12
70
Sub-score

Asset quality is stable: Adjusted NPL 2.32%, Texas Ratio 14.3%, NCO YTD -0.44%.

Adjusted NPL
2.32%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
-0.44%
30-89 PD
2.12%
Band 0.3% / 3.0%
90+ PD
0.41%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.32% (govt-guarantees stripped).

Reserves

StableQoQ -33
67
Sub-score

Reserves are stable: ALLL 1.93% of loans, coverage 84.9%, true coverage 84.9%.

ALLL / Loans
1.93%
Coverage
84.9%
True Loss Coverage
84.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 07:44:27 UTC