Dream First Bank NA (FDIC #4779): Bank Stress & Real-Estate Credit Exposure

Dream First Bank NA (FDIC Cert #4779): bank stress 70/100, elevated, STABLE over 7 days; parent LEGACY FINANCIAL INC.

Dream First Bank NA (#4779) lends in 12 counties across 2 states; Dream First Bank NA (#4779) reaches 80 ZIP codes: Kansas 8 counties, 32 ZIPs; Oklahoma 4 counties, 48 ZIPs.

Dream First Bank NA (#4779) largest markets: Garfield County, OK (22 branches, 22 ZIPs) (#4779), Alfalfa County, OK (13 branches, 13 ZIPs) (#4779), Woodward County, OK (11 branches, 11 ZIPs) (#4779), Harper County, KS (11 branches, 11 ZIPs) (#4779), Woods County, OK (8 branches, 8 ZIPs) (#4779), Finney County, KS (14 branches, 7 ZIPs) (#4779).

Dream First Bank NA (#4779) reports $963.7 million in total assets; Dream First Bank NA (#4779) equity $94.8 million (9.8% of Dream First Bank NA (#4779) assets); Dream First Bank NA (#4779) domestic deposits $850.4 million; Dream First Bank NA (#4779) net income $5.0 million; Dream First Bank NA (#4779) return on assets 1.07%; Dream First Bank NA (#4779) return on equity 10.82%; Dream First Bank NA (#4779) net interest income $20.6 million; Dream First Bank NA (#4779) call report June 30, 2026.

Dream First Bank NA (#4779) noncurrent real-estate loans: none reported; Dream First Bank NA (#4779) net charge-offs on real estate 0.99%; Dream First Bank NA (#4779) residential charge-offs 0.82%.

Dream First Bank NA (#4779) net interest margin 4.86% against an eight-quarter Dream First Bank NA (#4779) average of 4.74% (Dream First Bank NA (#4779) compression -0.12 points); Dream First Bank NA (#4779) non-residential real estate 81.5% of equity; Dream First Bank NA (#4779) rate-exposure score 40/100, Dream First Bank NA (#4779) fixed-rate trap 40/100; Dream First Bank NA (#4779) risk type credit driven; Dream First Bank NA (#4779) rate regime rates elevated, Dream First Bank NA (#4779) snapshot October 20, 2026.

Dream First Bank NA (#4779) stress score moved from 67.3 on June 22, 2026 to 69.7 on October 20, 2026; Dream First Bank NA (#4779) ranged 67.3 to 69.7 over 117 snapshots.

Dream First Bank NA (#4779) alerts: 12 counties; top Dream First Bank NA (#4779) alert scores: Johnson County, KS 38 (moderate); Cherokee County, KS 36 (moderate); Alva County, KS 23 (low); Attica County, KS 23 (low); Elkhart County, KS 23 (low).