Dream First Bank, National Association: how it compares with its peers
Against 36 KS banks with half to twice its assets, Dream First Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.86% vs. a 3.95% peer median). Its weakest relative measure is efficiency ratio (72.09% vs. 56.88%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.07% | 1.50% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.86% | 3.95% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.09% | 56.88% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.8M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.89% | 75.42% | Context |
What it means for lending operations
Its efficiency ratio of 72.09% is above the 56.88% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Security State Bank Scott City, KS · $1.03B
- United Bank & Trust Marysville, KS · $893M
- GNBank, National Association Girard, KS · $1.05B
- Farmers Bank & Trust Great Bend, KS · $1.05B
- Legacy Bank Colwich, KS · $865M
- Community National Bank Seneca, KS · $853M
Questions about Dream First Bank, National Association
How big is Dream First Bank, National Association?
Dream First Bank, National Association, established in 1906, is headquartered in Syracuse, KS. It reported $964M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Dream First Bank, National Association's return on assets?
1.07% annualized in Q2 2026, against a 1.50% median for 36 KS banks with half to twice its assets, ahead of 14% of them.
What is Dream First Bank, National Association's efficiency ratio?
72.09% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 56.88%, and lower is better.
Is Dream First Bank, National Association growing its loans?
Net loans grew 15.1% over the year to Q2 2026, while deposits grew 2.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.