# DREAM FIRST BANK NA
SYRACUSE, KS · FDIC certificate 4779 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $963.7M | |
| Deposits | $850.4M | |
| Loans and leases | $664.4M | |
| Total equity | $96.0M | |
| Loans / deposits | 76.89% (p39 of band) | 82.04% |
| Liquid assets / assets | 23.33% (p45 of band) | |
| Uninsured deposits / deposits | 18.65% (p24 of band) | 25.97% |
| Brokered deposits | 9.53% | |
| Wholesale funding | 10.97% (p80 of band) | |
| FHLB advances / assets | 1.41% | |
| Tier 1 leverage | 9.69% (p27 of band) | 10.81% |
| Unrealized securities loss / equity | -5.08% (p63 of band) | -8.10% |
| AOCI / equity | -0.53% (p40 of band) | |
| ROA (annualized) | 1.07% (p37 of band) | 1.28% |
| Net interest margin | 4.86% (p91 of band) | 3.91% |
| Efficiency ratio | 72.09% (p78 of band) | |
| Noncurrent loans | 1.86% (p87 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p83 of band) | |
| Reserve coverage of noncurrent | 84.82% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 0.47% (p4 of band) | |
| Auto loans | $8.2M (1.23% of loans; DQ 4.09%, NCO 0.00%) | |
| Loans to nondepository financials | $2.5M (3% of equity) (p92 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 144 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | reserve under noncurrent |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 | capital falling | reserve under noncurrent |
| 2014-03 | 4 | reserve under noncurrent |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | reserve under noncurrent |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 3 |  | uninsured deposits leaving |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | charge-offs p90 |  |
| 2020-03 | 3 | capital falling | charge-offs p90 |
| 2020-06 | 4 | charge-offs p90 |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 | noncurrent p90 | wholesale funding >15%, charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | noncurrent p90 |
| 2021-12 | 2 | wholesale funding >15% |  |
| 2022-03 | 2 | charge-offs p90 | wholesale funding >15% |
| 2022-06 | 3 | wholesale funding >15%, capital falling | charge-offs p90 |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2023-12 | 4 |  | noncurrent p90 |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | charge-offs p90 |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 4 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | wholesale funding >15%, charge-offs p90 |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 | wholesale funding >15% | noncurrent p90, reserve under noncurrent |
| 2026-03 | 3 |  |  |
| 2026-06 | 2 | capital falling, reserve under noncurrent | brokered >10%, uninsured deposits leaving, wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-07 [Failed Bank Information for Heartland Tri-State Bank, Elkhart, KS - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxQUUpMdHBVQnFpZ2RYYW5OUmEzdGVrNUQ0MF9ZMEtTaVZuQUcwdTROa1dJTmtjc2ttWXdlYjlkWWVsN1Rpd3NpVEo3bWNCMldRQ19SN0xjQVlTbFRfWWlwYkdNXzJQbHljRXFjNTlLdEVGNU1yeFBTSzg2ZkpaWEZBUGtpbFVwbTVQcURjMk5IWWhxZWVsTklFN0xYUDc?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2025-04-08 [Best Banks and Credit Unions in Kansas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTEJKTEpfS0RnZ3VNbkt3eHFtTFBOaHlqSGhWLVpMRWpqM25RdS1uWHRiWjloblhKbG43aHVIVnZ0OTd2aC1Wdl8zZDB3ZGJ6a29IemdkVTQwYnJLRHk5Y0hoRmRGcVdVblFMZmIwMUdRbS1UODdYZXIzdUliZW9zQi1KTUZKeFB6ZmkyRQ?oc=5) · Newsweek Rankings
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4779 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "4779", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide