Dream First Bank, National Association (FDIC certificate #4779) is based in Syracuse, Kansas. Its Q2 2026 call report shows $963.7M in total assets and $850.4M in deposits and 13 offices across 2 states.
Dream First Bank, National Association has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 175th. Funding & liquidity contributes the most (79/100, 77% loans-to-deposits, 19% uninsured); loan quality contributes the least (38/100, 1.86%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 8 points (63 → 55), mostly because the earnings component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 70 |
| Q2 2025 | 63 |
| Q3 2025 | 58 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.71% |
| Q3 2024 | 9.85% |
| Q4 2024 | 9.72% |
| Q1 2025 | 9.83% |
| Q2 2025 | 11.61% |
| Q3 2025 | 9.40% |
| Q4 2025 | 9.90% |
| Q1 2026 | 9.70% |
| Q2 2026 | 9.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.55% |
| Q2 2025 | 2.28% |
| Q3 2025 | 2.23% |
| Q4 2025 | 1.22% |
| Q1 2026 | 0.95% |
| Q2 2026 | 1.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.27% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.57% |
| Q3 2025 | 1.74% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $963.7M | 9.69% | 1.86% | 1.07% | 76.9% |
| Q1 2026 | 65 | $943.8M | 9.70% | 0.95% | 1.12% | 75.8% |
| Q4 2025 | 66 | $917.9M | 9.90% | 1.22% | 1.44% | 75.8% |
| Q3 2025 | 58 | $891.9M | 9.40% | 2.23% | 1.74% | 71.6% |
| Q2 2025 | 63 | $921.0M | 11.61% | 2.28% | 1.57% | 68.4% |
| Q1 2025 | 70 | $686.4M | 9.83% | 0.55% | 1.43% | 84.5% |
| Q4 2024 | 65 | $689.7M | 9.72% | 0.72% | 1.27% | 86.0% |
| Q3 2024 | 65 | $659.4M | 9.85% | 0.77% | 1.25% | 86.0% |
| Q2 2024 | 65 | $643.1M | 9.71% | 0.73% | 1.25% | 84.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |
| Legacy BankBank Colwich, KS | 74 out of 100, Strong | $865.0M | 10.6% | 0.06% | vs |
| Community National BankBank Seneca, KS | 67 out of 100, Moderate | $853.1M | 9.7% | 1.47% | vs |
| First Option BankBank Osawatomie, KS | 68 out of 100, Moderate | $817.6M | 8.2% | 0.02% | vs |
| The Western State BankBank Garden City, KS | 49 out of 100, Below average | $802.1M | 10.7% | 3.04% | vs |
| Union State BankBank Arkansas City, KS | 76 out of 100, Strong | $719.1M | 10.2% | 0.19% | vs |
Deposit insurance
Is my money safe at Dream First Bank, National Association?
Yes. Dream First Bank, National Association is an FDIC-insured institution (FDIC certificate #4779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.7% of deposits ($158.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.69%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.18% (benchmark: 10%).
13 locations
Branches
Dream First Bank, National Association lists 13 offices in 12 cities across 2 states. Most locations:
- Garden City, KS (2)
- Alva, OK (1)
- Attica, KS (1)
- Cherokee, OK (1)
- Elkhart, KS (1)
- Enid, OK (1)
- Hugoton, KS (1)
- Johnson, KS (1)
- Lakin, KS (1)
- Syracuse, KS (1)
- Ulysses, KS (1)
- Woodward, OK (1)
Identity & history
Profile
- Legal name
- Dream First Bank, National Association
- Former names
- The First National Bank of Syracuse
- Type
- National bank
- FDIC certificate #
- 4779
- RSSD ID
- 543459
- Primary regulator
- OCC
- Holding company
- Legacy Financial Inc
- Established
- February 10, 1906
- Headquarters
- 11 N Main St, Syracuse, KS 67878
- Website
- www.dreamfirst.bank
- Employees
- 144
Quick answers
Dream First Bank, National Association: common questions
Is Dream First Bank, National Association FDIC insured?
Yes. Dream First Bank, National Association is an FDIC-insured institution (FDIC certificate #4779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Dream First Bank, National Association's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Dream First Bank, National Association ever failed?
There is no failure record for FDIC certificate #4779 in the FDIC failed bank list.
How many branches does Dream First Bank, National Association have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Syracuse
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State BankBank Scott City, KS | 72 out of 100, Strong | $1.0B | 10.2% | 0.26% | vs |
| Tbk Bank, SSBBank Dallas, TX | 52 out of 100, Below average | $7.4B | 9.9% | 1.65% | vs |