Bank · FDIC insured
Dream First Bank
A $963.7M bank headquartered in Syracuse, KS, with 13 branches in 2 states. Best rates: CDs 3.71% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.71%CD rates →
- Savings680.05%1.01% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Dream First Bank
- Headquarters
- 11 N Main St, Syracuse, KS 67878
- FDIC certificate
- 4779 ↗
Branches
13 branches in 2 states
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Kansas
9 branches
Garden City area · 2
- Garden City Branch908 N Main St, Garden City, KS 67846Directions
- Garden City East Branch1250 Mccoy Dr, Garden City, KS 67846Directions
Syracuse area · 1
- Dream First Bank, National AssociationMain office11 N Main St, Syracuse, KS 67878Directions
Attica area · 1
- Attica Branch114 N Main St, Attica, KS 67009Directions
Elkhart area · 1
- Elkhart Branch601 Morton St, Elkhart, KS 67950Directions
Hugoton area · 1
- Hugoton Branch627 S Main St, Hugoton, KS 67951Directions
Johnson area · 1
- Johnson Branch509 N Main St, Johnson, KS 67855Directions
Lakin area · 1
- Lakin Branch300 E Santa Fe Trail Blvd, Lakin, KS 67860Directions
Ulysses area · 1
- Ulysses Branch1100 W Oklahoma Ave, Ulysses, KS 67880Directions
Oklahoma
4 branches
Alva area · 1
- Alva Branch604 Flynn St, Alva, OK 73717Directions
Cherokee area · 1
- Cherokee Branch105 N Grand Ave, Cherokee, OK 73728Directions
Enid area · 1
- Enid Branch300 W Randolph Ave, Enid, OK 73701Directions
Woodward area · 1
- Woodward Branch2519 Williams Ave, Woodward, OK 73801Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.69% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.86% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.07% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $78 | $81 | — |
- CapitalLeverage ratio9.69%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.86%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.07%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$78Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Dream First Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.