Dream First Bank NA
Syracuse, Kansas · FDIC Cert #4779
Dream First Bank NA is an FDIC-insured bank (Certificate #4779) with $643M in total assets and $580M in total deposits as of the Q2 2024 Call Report. Headquartered in Syracuse, Kansas, the bank maintains a Tier 1 capital ratio of 12.07% (Well-Capitalized) and a nonperforming loan ratio of 0.73%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Dream First Bank NA (FDIC cert 4779) is a community bank — $643M in total assets, $580M in deposits, serving the Syracuse, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.07% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.73% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 16.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.62% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Dream First Bank NA carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Dream First Bank NA
- Total Assets
- $643M
- Total Deposits
- $580M
- Tier 1 Capital Ratio
- 12.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.73%
- Liquidity Ratio
- 16.56%
- Return on Assets
- 1.62%
- Headquarters
- Syracuse, Kansas
- FDIC Certificate
- #4779
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Dream First Bank NA holds a Tier 1 capital ratio of 12.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Dream First Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Dream First Bank NA shows strong financial health indicators. With $643M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Dream First Bank NA Compares
Dream First Bank NA’s Health Score of 73 is 4 points above the Kansas state average of 69 across 159 FDIC-insured banks. Its 12.07% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 0.73% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.62% is in line with or above the national ROA benchmark of ~1.1%. Among 1306 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Dream First Bank NA is 3 points above the portfolio average of 70.
Frequently Asked Questions
Dream First Bank NA has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Dream First Bank NA's Tier 1 capital ratio of 12.07% and nonperforming loan ratio of 0.73% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Dream First Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4779). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Dream First Bank NA holds $643M in total assets and $580M in total deposits. It is headquartered in Syracuse, Kansas (FDIC Certificate #4779).
Dream First Bank NA has a Tier 1 capital ratio of 12.07%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.73%, and the return on assets is 1.62%.
Yes. Dream First Bank NA is FDIC-insured (Certificate #4779). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Dream First Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.