Dream First Bank, National Association
Syracuse, Kansas, Hamilton County
$964M in total assets, the 1,100th largest of 4,309 US banks and 21st of 185 headquartered in Kansas.
- FDIC certificate
- 4779
- Established
- 1906
- Owned by
- Legacy Financial Inc
- Primary regulator
- OCC
- Website
- www.dreamfirst.bank
At a glance
Compared with 116 banks headquartered in Kansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $964M | 98% | $257M | |
| Loans | $664M | 98% | $172M | |
| Deposits | $850M | 98% | $214M | |
| Return on assets | 1.17% | 26% | 1.41% | |
| Net interest margin | 4.86% | 95% | 3.97% | |
| Efficiency ratio | 72.1% | 92% | 58.4% | |
| Equity to assets | 9.84% | 42% | 10.25% | |
| Loans to deposits | 78% | 52% | 78% |
Growth
Total assets grew 17.5% a year over the last 5 years and 13.0% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2025 | BancCentral, National Association Alva, OK | $243M |
| Jul 2023 | Heartland Tri-State Bank Elkhart, KS | $139M |
Where they operate
13 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Finney County, KS | $270M | 23.4% | 1 of 9 |
| Hamilton County, KS | $155M | 66.1% | 1 of 2 |
| Morton County, KS | $84M | 83.9% | 1 of 2 |
| Woods County, OK | $75M | 11.7% | 3 of 5 |
| Stanton County, KS | $66M | 56.2% | 1 of 2 |
| Woodward County, OK | $63M | 6.5% | 7 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (4 to 13, +225.0%). 4 opened, 8 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2016 | Opened Ulysses | 1 | 0 | +1 | 5 |
| 2017 | Opened UlyssesClosed Ulysses | 1 | 1 | 0 | 5 |
| 2022 | Opened Hugoton | 1 | 0 | +1 | 6 |
| 2023 | Acquired Heartland Tri-State Bank | 4 | 0 | +4 | 10 |
| 2024 | Closed Rolla | 0 | 1 | −1 | 9 |
| 2025 | Acquired BancCentral, National Association | 4 | 0 | +4 | 13 |
| 2026 through Q2 | Opened LakinClosed Arlington | 1 | 1 | 0 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 26% | 17% | |
| Business (C&I) | 23% | 11% | |
| Farmland | 22% | 17% | |
| Agricultural | 15% | 14% | |
| 1-4 family residential | 11% | 27% | |
| Consumer | 2% | 4% | |
| Multifamily | 0% | 2% | |
| Construction and land | 0% | 5% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 41% | 34% | |
| Other interest-bearing | 40% | 46% | |
| Noninterest-bearing | 19% | 20% |
Brokered deposits are 10.8% of deposits (peers 3.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.86% | 0.23% |
| Net charge-offs, annualized | 0.13% | 0.00% |
| Reserves to loans | 1.58% | 1.27% |
| Leverage ratio | 9.69% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Finney County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/dream-first