BlastPoint's Banking Scorecard
Dream First Bank, National Association
Community
Specialty: Agricultural
KS
FDIC cert 4779
Syracuse, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Dream First Bank, National Association shows strong momentum with 1 strength and 33.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.15% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$917.9M
+33.1% YoY
+2.9% QoQ
|
-$473.5M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$607.3M
+13.6% YoY
+6.2% QoQ
|
-$368.2M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$801.4M
+28.8% YoY
+0.4% QoQ
|
-$363.3M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.44%
+13.9% YoY
-17.3% QoQ
|
+0.28% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.81%
+3.7% YoY
+0.2% QoQ
|
+1.15% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
66.79%
+2.6% YoY
+9.5% QoQ
|
+4.16% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
1.24%
+69.3% YoY
-45.4% QoQ
|
+0.61% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
75.78%
-11.8% YoY
+5.8% QoQ
|
-7.28% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
19.74%
+8.9% YoY
+2.4% QoQ
|
-1.31% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
1.01%
+76.5% YoY
-33.5% QoQ
|
+0.51% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.44%
+5.2% YoY
-3.8% QoQ
|
+2.20% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
+45.9% YoY
+21.8% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Community
Why this stands out
Current:
4.81%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.66%
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.78% · Tier avg: 83.06%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.44% · Tier avg: 10.24%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.74% · Tier avg: 21.05%
47
47th pctile
Total Deposits
Current: $801.4M · Tier avg: $1.2B
44
44th pctile
Total Assets
Current: $917.9M · Tier avg: $1.4B
42
42th pctile
Total Loans
Current: $607.3M · Tier avg: $975.5M
35
35th pctile
Efficiency Ratio
Current: 66.79% · Tier avg: 62.63%
20
20th pctile
Delinquency Rate
Current: 1.24% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.50%
Top Weaknesses
20
20th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.24% · Tier avg: 0.63%
35
35th pctile
Efficiency Ratio
Current: 66.79% · Tier avg: 62.63%
42
42th pctile
Total Loans
Current: $607.3M · Tier avg: $975.5M
44
44th pctile
Total Assets
Current: $917.9M · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $801.4M · Tier avg: $1.2B
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.74% · Tier avg: 21.05%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.44% · Tier avg: 10.24%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.78% · Tier avg: 83.06%
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
93
93th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.66%