BlastPoint's Banking Scorecard

Dream First Bank, National Association

$100M-$1B Specialty: Agricultural KS FDIC cert 4779

Syracuse, KS

13 branches across KS · OK

2664 banks in the $100M-$1B peer group nationally 118 in KS

Dream First Bank, National Association has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.01% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 68.8% in tier
- Cost Spiral: Bottom 96.0% in tier
- Delinquency Rate 0.08% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$943.8M +37.5% YoY +2.8% QoQ	+$557.7M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 2.0% in tier
Total Loans ?	$633.0M +21.8% YoY +4.2% QoQ	+$377.3M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 4.7% in tier
Total Deposits ?	$834.7M +35.8% YoY +4.2% QoQ	+$506.8M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 1.1% in tier
Return on Assets ?	1.12% -22.0% YoY -22.4% QoQ	-0.15%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	4.94% +0.7% YoY +2.7% QoQ	+1.01%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Top 8.0% in tier
Efficiency Ratio ?	70.45% +15.9% YoY +5.5% QoQ	+5.16%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	0.97% +73.6% YoY -22.1% QoQ	+0.08%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	75.84% -10.3% YoY +0.1% QoQ	-0.80%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	19.20% +6.5% YoY -2.7% QoQ	-2.82%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.84% +95.5% YoY -17.6% QoQ	+0.20%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	11.93% -3.4% YoY -4.1% QoQ	-3.90%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.11% +1.8% YoY -81.2% QoQ	-0.17%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	60%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#211 of 305 • Bottom 68.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.12%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#122 of 126 • Bottom 96.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 70.45%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Deposits

size

Value: $834.74M

Peer Median: $327.97M

#30 of 2664 Top 1.1% in $100M-$1B

Total Assets

size

Value: $943.76M

Peer Median: $386.08M

#54 of 2664 Top 2.0% in $100M-$1B

127

Total Loans

size

Value: $633.04M

Peer Median: $255.72M

#127 of 2664 Top 4.7% in $100M-$1B

214

Net Interest Margin

profitability

Value: 4.94%

Peer Median: 3.93%

#214 of 2664 Top 8.0% in $100M-$1B

Top Weaknesses (1 metrics)

2011

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2011 of 2664 Bottom 24.5% in $100M-$1B