BlastPoint's Banking Scorecard

Dream First Bank, National Association

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

Syracuse, KS

13 branches across KS · OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +2.4% year over year ($850.4M on the books).
Delinquency rate 1.89%.
Return on assets 1.07%.
Efficiency ratio 72.09% vs a 64.48% peer average.
Loan-to-deposit ratio 76.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (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 0.87% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 8.5% in tier
- Efficiency Ratio 7.61% above tier average
- Delinquency Rate 0.97% above tier average

Get updates when Dream First Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$963.7M +4.6% YoY +2.1% QoQ	+$577.1M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Top 1.2% in tier
Total Loans ?	$653.9M +15.1% YoY +3.3% QoQ	+$395.6M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 3.9% in tier
Total Deposits ?	$850.4M +2.4% YoY +1.9% QoQ	+$523.7M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Top 0.5% in tier
Return on Assets ?	1.07% -31.8% YoY -4.2% QoQ	-0.25%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	38%
Net Interest Margin ?	4.86% +10.2% YoY -1.6% QoQ	+0.87%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Top 10.7% in tier
Efficiency Ratio ?	72.09% +25.9% YoY +2.3% QoQ	+7.61%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	1.89% -18.8% YoY +95.3% QoQ	+0.97%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Bottom 13.8% in tier
Loan-to-Deposit Ratio ?	76.89% +12.5% YoY +1.4% QoQ	-1.06%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	19.49% +1.1% YoY +1.6% QoQ	-2.54%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	1.51% +0.9% YoY +80.7% QoQ	+0.84%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Bottom 12.1% in tier
Tier 1 Capital Ratio ?	11.92% -1.4% YoY -0.1% QoQ	-3.98%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.28% -12.4% YoY +147.4% QoQ	-0.28%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	19.5% +0.2pp YoY +0.3pp QoQ	-2.7pp	22.1%	22.3%	22.2%	43%
Brokered Deposits	10.8% -5.7pp YoY -4.8pp QoQ	+2.9pp	7.9%	8.7%	8.5%	77%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	23.7% -0.4pp YoY -0.9pp QoQ	+12.2pp	11.6%	12.6%	12.5%	92%
CRE	27.1% +1.5pp YoY +2.0pp QoQ	-12.5pp	39.5%	28.8%	41.4%	30%
1-4 Family	10.7% +0.3pp YoY +0.4pp QoQ	-22.0pp	32.6%	26.7%	31.3%	12%
Consumer	1.9% -0.2pp YoY 0.0pp QoQ	-2.2pp	4.1%	4.6%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	11.9% -0.2pp YoY 0.0pp QoQ	-6.9pp	18.8%	23.3%	19.7%	16%
Leverage Ratio	9.7% -1.9pp YoY 0.0pp QoQ	-2.5pp	12.2%	12.6%	12.6%	25%
Total Capital Ratio	13.2% -0.2pp YoY 0.0pp QoQ	-6.8pp	19.9%	24.4%	20.8%	18%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	144 -11 (-7.1%) YoY -4 (-2.7%) QoQ	+85	58	70	482	97%
Assets per Employee ($)	$6.7M +12.6% YoY +4.9% QoQ	-$826K	$7.5M	$7.1M	$8.8M	46%
Branch Count	13 0 YoY 0 QoQ	+8	4	6	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.9% 0.0pp YoY +1.0pp QoQ	+1.0pp	0.9%	0.8%	1.0%	86%
Allowance Coverage	0.85x -0.1% YoY -54.0% QoQ	-23.31x	24.15x	22.44x	20.23x	22%
Net Charge-off Rate (YTD)	0.1% +0.2pp YoY +0.4pp QoQ	0.0pp	0.1%	0.1%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	10.8% -6.0pp YoY -0.4pp QoQ	-1.4pp	12.2%	14.3%	11.6%	42%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	76%
Net Income ($, YTD)	$5.0M -16.2% YoY — QoQ	+$2.5M	$2.6M	$3.7M	$40.4M	87%

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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 (1)

Margin Compression

decline

#27 of 307 • Bottom 8.5% 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: 1.07%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Deposits

size

Value: $850.45M

Peer Median: $326.73M

#14 of 2643 Top 0.5% in $100M-$1B

Total Assets

size

Value: $963.67M

Peer Median: $386.57M

#33 of 2643 Top 1.2% in $100M-$1B

103

Total Loans

size

Value: $653.92M

Peer Median: $258.35M

#103 of 2643 Top 3.9% in $100M-$1B

283

Net Interest Margin

profitability

Value: 4.86%

Peer Median: 3.99%

#283 of 2643 Top 10.7% in $100M-$1B

Top Weaknesses (2 metrics)

2324

Nonperforming Asset Ratio

credit_quality

Value: 1.51%

Peer Median: 0.67%

#2324 of 2643 Bottom 12.1% in $100M-$1B

2271

Delinquency Rate

credit_quality

Value: 1.89%

Peer Median: 0.92%

#2271 of 2633 Bottom 13.8% in $100M-$1B