C
Dream First Bank, N.A.
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Dream First Bank, N.A.
Syracuse, KS
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Rating C
Asset Quality Index 4.50
Capitalization Index 7.60
Liquidity Index 1.70
Profitability Index 9.20
Stability Index 7.70
Company Info Dream First Bank, N.A.
Syracuse, KS
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FDIC Number 4779
Phone Number (620) 384-7441
Website www.dreamfirst.bank
Asset Quality Dream First Bank, N.A.
Syracuse, KS
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1-Year Asset Growth 35.26%
5-Year Asset Growth 16.83%
5-Year Charge-Offs to Average Loans 0.21%
Charge-Offs to Average Loans -0.11%
Non-Performing Assets to Assets 1.23%
Non-Performing Loans to Capital 12.91%
Non-Performing Loans to Loans 1.86%
Balance Sheet Dream First Bank, N.A.
Syracuse, KS
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Total Assets 891.93M
Total Deposits 798.42M
Capital and Reserves Dream First Bank, N.A.
Syracuse, KS
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Capital 90.01M
Leverage Ratio 9.40
Loan Loss Reserves to Loans 1.96%
Risk-Based Capital Ratio 14.19
Liquidity Dream First Bank, N.A.
Syracuse, KS
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Hot Money Ratio 38.07%
Liquidity Ratio 29.89%
Profitability Dream First Bank, N.A.
Syracuse, KS
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5-Year Return on Average Assets 1.46%
Net Income 10.43M
Net Interest Spread 4.82%
Operating Profit to Average Assets 2.10%
Overhead Efficiency Ratio 60.98%
Return on Assets 1.80%
Return on Equity 18.30%