Unverified listing What this means
The Lender Report built this page from public records. Dream First Bank, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about Dream First Bank, National Association itself. Each figure shows its source and date. Work at Dream First Bank, National Association? You can claim this page for free.
Bank, Syracuse, KS
Dream First Bank, National Association
A bank based in Syracuse, KS. Its commercial book is led by C&I and owner-occupied CRE. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $475M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 26
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $964M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 888-773-3184 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.dreamfirst.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- dreamfirst.bankFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Dream First Bank National Association; Dream First Bank, NAFDIC institution record,
- Address
- 11 N Main St, Syracuse, KS 67878FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
What changed. Dream First Bank, National Association's Owner-occupied CRE balance rose 14.5% to $154.2M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 1 closed, 1 relocated.FDIC structure history. | FDIC history |
| October 17, 2026 | Listed by USDA Rural Development as an approved lender.Membership in a public list, not lending volume. | USDA Rural Development lender list, |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 24 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 13.4% to $155.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 46.3% to $154.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Farmland balance rose 16.3% to $143.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| June 20, 2025 | Acquired BancCentral, National Association on June 20, 2025.FDIC structure history. | FDIC history, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Kansas | SBA 7(a), Full-Service Restaurants | $83K | 9.75% | 7 yr | SBA FOIA | |
| Jul 2026 | Kansas | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $570K | 8.75% | 10 yr | SBA FOIA | |
| Jun 2026 | Oklahoma | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $3.2M | 7.5% | 13 yr | SBA FOIA | |
| Apr 2026 | Colorado | SBA 7(a), Sporting Goods Retailers | $750K | 7.5% | 25 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $4.6M | 8% | 10 yr | SBA FOIA | |
| Jan 2026 | Kansas | SBA 7(a), All Other Amusement and Recreation Industries | $1.5M | 7.75% | 21 yr | SBA FOIA | |
| Dec 2025 | Kansas | SBA 7(a), All Other Professional, Scientific, and Technical Services | $210K | 8.25% | 10 yr | SBA FOIA | |
| Dec 2025 | Oklahoma | SBA 7(a), Information | $95K | 9.5% | 15 yr | SBA FOIA | |
| Sep 2025 | Kansas | SBA 7(a), Site Preparation Contractors | $1.3M | 8% | 10 yr | SBA FOIA | |
| Aug 2025 | Kansas | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $3.7M | 7% | 25 yr | SBA FOIA | |
| May 2025 | Kansas | SBA 7(a), Limited-Service Restaurants | $40K | 9% | 5 yr | SBA FOIA | |
| Feb 2025 | Kansas | SBA 7(a), Transportation and Warehousing | $75K | 7.5% | 7 yr | SBA FOIA | |
| Oct 2024 | Oklahoma | SBA 7(a), All Other Professional, Scientific, and Technical Services | $2M | 8.25% | 10 yr | SBA FOIA | |
| Oct 2024 | Colorado | SBA 7(a), Manufacturing | $570K | 7.5% | 25 yr | SBA FOIA | |
| Oct 2024 | Kansas | SBA 7(a), Furniture Retailers | $450K | 8.5% | 15 yr | SBA FOIA | |
| Oct 2024 | Kansas | SBA 7(a), Nail Salons | $72K | 10% | 7 yr | SBA FOIA | |
| Aug 2024 | Colorado | SBA 7(a), Arts, Entertainment, and Recreation | $1.3M | 7.5% | 20 yr | SBA FOIA | |
| Jul 2024 | Kansas | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $150K | 8% | 20 yr | SBA FOIA | |
| Jul 2024 | Kansas | SBA 7(a), Janitorial Services | $91K | 9.75% | 7 yr | SBA FOIA | |
| Jun 2024 | Kansas | SBA 7(a), Hotels (except Casino Hotels) and Motels | $930K | 8.5% | 20 yr | SBA FOIA | |
| May 2024 | Kansas | SBA 7(a), General Automotive Repair | $300K | 8% | 20 yr | SBA FOIA | |
| Feb 2024 | Kansas | SBA 7(a), General Freight Trucking, Local | $430K | 8.75% | 10 yr | SBA FOIA | |
| Feb 2024 | Kansas | SBA 7(a), Drinking Places (Alcoholic Beverages) | $140K | 8.25% | 10 yr | SBA FOIA | |
| Nov 2023 | Kansas | SBA 7(a), General Freight Trucking, Local | $110K | 9% | 5 yr | SBA FOIA | |
| Oct 2023 | Kansas | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $180K | 9% | 7 yr | SBA FOIA | |
| 25 SBA 7(a) loans since October 2023, net of cancelled | $22.9M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $1.89M | 0.3% | -28.2% |
| Construction and land development | $455K | 0.1% | Not reported |
| Owner-occupied CRE | $154M | 23.2% | +46.3% |
| Non-owner-occupied CRE | $20.4M | 3.1% | -44.0% |
| Farmland | $143M | 21.6% | +16.3% |
| Commercial and industrial | $155M | 23.4% | +13.4% |
| Commercial total | $475M |
Reference only: $69.8M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $328M |
| Q4 2023 | $343M |
| Q1 2024 | $347M |
| Q2 2024 | $346M |
| Q3 2024 | $355M |
| Q4 2024 | $375M |
| Q1 2025 | $373M |
| Q2 2025 | $405M |
| Q3 2025 | $401M |
| Q4 2025 | $425M |
| Q1 2026 | $457M |
| Q2 2026 | $475M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 25 | $22.9M | $430K | $4.6M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 8 | $11.2M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $630K | $630K | $630K | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Topeka district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by USDA Rural Development: Section 538 Guaranteed Rural Rental Housing Program lender list as: USDA approved lender (October 17, 2026). Listed by USDA Rural Development as an approved lender. Kind of institution: commercial-bank. Status: Eligible Section 538 lender: reviewed and eligible, to be approved once its first loan closes.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
USDA Rural Development: Section 538 Guaranteed Rural Rental Housing Program lender list,
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Dream First Bank, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $3,849,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $56,779,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 317 | $9.02M |
| Over $100,000 up to $250,000 | 124 | $14.3M |
| Over $250,000 up to $1 million | 84 | $26.1M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 71 | $3.02M |
| Over $100,000 up to $250,000 | 66 | $8.55M |
| Over $250,000 up to $1 million | 72 | $27.5M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 81 | $3.44M |
| Over $100,000 up to $250,000 | 98 | $11.6M |
| Over $250,000 up to $500,000 | 88 | $22.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 235 | $7.09M |
| Over $100,000 up to $250,000 | 86 | $7.88M |
| Over $250,000 up to $500,000 | 78 | $18.0M |
Where it lends
Offices beside loans on record
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Dream First Bank, National Association has 13 offices in 12 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 13 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Finney County, KS | 2 | 0 |
| Grant County, KS | 1 | 0 |
| Hamilton County, KS | 1 | 0 |
| Harper County, KS | 1 | 0 |
| Kearny County, KS | 1 | 0 |
| Morton County, KS | 1 | 0 |
| Stanton County, KS | 1 | 0 |
| Stevens County, KS | 1 | 0 |
| Alfalfa County, OK | 1 | 0 |
| Garfield County, OK | 1 | 0 |
| Woods County, OK | 1 | 0 |
| Woodward County, OK | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $15.4M | $7.60M to $22.3M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 22.1% | 46.7% to 131.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 0.4% | 4.7% to 71.5% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 78.1% | 35.1% to 104.6% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $3.85M | $11.4M to $67.8M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 68.9% | 32.9% to 79.4% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 24 loans (96.0%)
- Approval to first disbursement
- 7 days, median of 24
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| GNBank, National Association | KS | $1.05B | $399M |
| The Western State Bank | KS | $802M | $327M |
| Farmers & Merchants Bank of Colby | KS | $651M | $329M |
| Security State Bank | KS | $1.03B | $493M |
| Bank of Labor | KS | $1.11B | $344M |
| The Bennington State Bank | KS | $1.42B | $544M |
| Bank of the Flint Hills | KS | $545M | $247M |
| Community National Bank | KS | $853M | $238M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Dream First Bank, National Association, FDIC certificate 4779. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $964M in total assets and $475M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 26 recorded loans from SBA files, through September 30, 2026: 25 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. Each has its source and date. [How each file was tied to Dream First Bank, National Association]
- Phone and website. Phone 888-773-3184, from the lender's website on November 9, 2026. Website dreamfirst.bank, from the FDIC record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 4779
- RSSD
- 543459
- LEI
- 254900QVE4I6C8965169
- The Lender Report ID
- lr_001588
- FDIC classifies this bank as
- Agricultural Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $963.7M in total assets as of June 30, 2026 (FDIC call report).
- Held $475.3M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $155.1M of commercial and industrial loans as of June 30, 2026, up 13.4% from a year earlier (FDIC call report).
- Held $154.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 46.3% from a year earlier (FDIC call report).
- Held $143.3M of farmland loans as of June 30, 2026, up 16.3% from a year earlier (FDIC call report).
- Recorded 27 SBA 7(a) approvals totaling $24M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
6 more sentences
- Provided the first lien on 1 SBA 504 project with $630K in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 13 offices in 2 states (FDIC).
- Held 525 commercial and industrial loans that were $1 million or less when made, with a balance of $49.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 209 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $39.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $3.8M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Listed by USDA Rural Development as an approved lender. (USDA list, as of October 17, 2026).
Cite this
Source: The Lender Report, Dream First Bank, National Association, https://lender.report/lender/dream-first-bank-ks/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- USDA Rural Development lender list, October 17, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Dream First Bank, National Association? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem