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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Kansas, the state note

Dream First Bank N.A.

Syracuse, Kansas · $964M in assets · beside the 11 other Kansas banks between $300M and $1B

The filing

3.4%
CRE / loans
1st of 12
+14.7%
Loans, year over year
1st of 12, largest first
22.3%
CRE / capital
1st of 12

Dream First Bank N.A. is the largest of the 12 Kansas banks nearest its size between $300M and $1B, with $964M in assets at 30 June 2026. Loans are 78.1% of deposits, 7th of 12 against a median of 76.5%, and equity is 9.8% of assets, 8th of 12. Loans grew +14.7% in the year, the fastest in the cohort, and deposits grew 2.4%; the cohort's median loan growth is +4.4%.

Noncurrent loans are 1.86% of the book, 10th of 12 against a median of 0.21%; 1.18% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 0.13% of loans, 9th of 12. Commercial real estate is 3.4% of loans, the lowest in the cohort against a median of 19.3%, and 22% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.05%, 11th of 12 against a median of 1.48%, on an efficiency ratio of 72.1%, 11th of 12. Five years ago it was 1.54%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansKS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 19.3% DF Dream First Bank N.A. 3.4% WS Western State Bank 8.8% Bo Bank of Tescott 9.3% EB Exchange Bank & Trust 9.8% FM Farmers & Merchants Bank Colby 12.3% UB United Bank & Trust 12.8% CN Community National Bank 25.9% FB First Bank Kansas 27.1% FO First Option Bank 30.6% OB Outdoor Bank 33.1% US Union State Bank 34.0% LB Legacy Bank 47.4%
Loans, year over yearKS banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.4% DF Dream First Bank N.A. +14.7% LB Legacy Bank +12.5% FB First Bank Kansas +12.3% FM Farmers & Merchants Bank Colby +10.3% FO First Option Bank +7.6% Bo Bank of Tescott +5.5% UB United Bank & Trust +3.2% US Union State Bank +1.3% WS Western State Bank -2.2% OB Outdoor Bank -5.4% CN Community National Bank -5.9% EB Exchange Bank & Trust -6.5%

SBA 7(a), FY2008 to FY2026

Dream First Bank N.A. is the 15th largest 7(a) lender into Kansas of 343, with $49M across 99 loans, 1.5% of everything approved in the state (Live Oak Banking Company leads with $155M). 9 of its 29 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Finney, KS$22M1st of 1840.7%-15.1 pts
Grant, KS$7M1st of 656.9%+27.1 pts
Marion, IN$5M52nd of 1720.3%thin
Palm Beach, FL$5M88th of 1950.2%thin
Garfield, OK$4M8th of 316.1%thin
Butler, KS$3M7th of 495.7%-34.5 pts
Stevens, KS$3M1st of 569.6%+27.3 pts
Sedgwick, KS$3M48th of 1280.5%+0.7 pts
Prowers, CO$3M5th of 1610.2%thin
Ford, KS$2M4th of 1514.6%quiet FY2022
Hamilton, KS$2M1st of 1100.0%+0.0 pts
Haskell, KS$2M1st of 463.8%-62.9 pts
Texas, OK$2M1st of 926.7%thin
16 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade20$13M18.3%0.02%426th of 2,589
Construction11$11M15.6%0.03%351st of 2,063
Accommodation & food services13$11M15.5%0.01%549th of 2,596
Agriculture, forestry & fishing10$7M10.3%0.09%116th of 1,007
Manufacturing4$7M9.4%0.02%587th of 2,246
7(a) lenders into Kansas, share of approvals since FY2008343 lenders on record; the ten largest and Dream First Bank N.A.
LO Live Oak Banking Company 4.8% $155M · 129 loans EB Equity Bank 3.7% $119M · 219 loans FB First Business Bank 3.7% $119M · 183 loans UB U.S. Bank, National Association 3.6% $115M · 503 loans IB Intrust Bank National Association 3.6% $114M · 498 loans UB UMB Bank, National Association 3.3% $105M · 384 loans WF Wells Fargo Bank National Associa… 3.2% $102M · 189 loans OB Oakstar Bank 3.1% $99M · 117 loans EB Emprise Bank 2.9% $94M · 280 loans BB Busey Bank 2.6% $84M · 115 loans DF Dream First Bank National Associa… 1.5% $49M · 99 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
Dream First Bank N.A.RankCohort median
Total CRE against capital, the 300% screen22%1st of 1298%
Construction against capital, the 100% screen0%1st of 1225%
Construction and land development, share of loans0.1%1st of 125.7%
Non-owner-occupied nonfarm nonresidential, share of loans3.1%3rd of 1212.2%
Total CRE, the guidance definition, share of loans3.4%1st of 1219.3%
CRE growth over 36 months, the third prong-18.3%2nd of 12+22.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Dream First Bank N.A.$964M1.1%72.1%1.86%0.13%1.6%78.1%9.8%
United Bank & Trust$893M1.5%49.9%0.00%0.00%1.3%94.1%11.9%
Legacy Bank$865M1.2%60.1%0.06%0.01%1.3%94.4%9.9%
Community National Bank$853M1.7%60.1%1.47%0.01%1.3%49.7%6.9%
First Option Bank$818M1.4%63.5%0.02%0.53%0.7%67.3%6.5%
Western State Bank$802M1.4%43.3%3.04%1.34%2.5%74.2%10.2%
Union State Bank$719M1.2%69.8%0.19%0.01%1.1%69.2%10.7%
Farmers & Merchants Bank Colby$651M1.7%42.9%0.61%-0.04%1.0%94.0%11.3%
Outdoor Bank$649M-0.3%84.3%3.83%1.01%2.5%83.0%9.7%
Bank of Tescott$648M1.7%52.4%0.08%0.00%1.3%85.2%10.4%
Exchange Bank & Trust$627M1.7%49.5%0.23%0.01%1.4%67.7%12.7%
First Bank Kansas$619M3.8%54.3%0.04%0.01%1.5%74.8%7.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Dream First Bank N.A.Cohort median
20212026Change20212026Change
Loans$305M$664M+118%$302M$483M+60%
Deposits$381M$850M+123%$473M$674M+42%
NPA / loans1.87%1.86%-0.02 pts0.35%0.21%-0.14 pts
Efficiency54.1%72.1%+18.0 pts53.9%57.2%+3.3 pts
ROA1.54%1.05%-0.48 pts1.56%1.48%-0.08 pts

This read was prepared for Dream First Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Dream First Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KS banks $300M to $1B
Institution www.dreamfirst.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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