Call reports 2025
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2025
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 686,409,000 | 920,989,000 | 891,926,000 | 917,944,000 |
| Total loans | 527,957,000 | 579,230,000 | 583,084,000 | 618,085,000 |
| Allowance for loan losses | 8,242,000 | 11,207,000 | 11,446,000 | 10,790,000 |
| Securities available for sale | 103,639,000 | 109,274,000 | 198,696,000 | 209,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,790,000 | 830,885,000 | 798,415,000 | 801,355,000 |
| Interest-bearing deposits | 503,963,000 | 670,601,000 | 644,467,000 | 643,206,000 |
| Noninterest-bearing deposits | 110,827,000 | 160,284,000 | 153,948,000 | 158,149,000 |
| Equity capital | 66,424,000 | 84,762,000 | 90,011,000 | 92,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,811,000 | 23,403,000 | 38,945,000 | 53,197,000 |
| Interest expense | 3,999,000 | 7,885,000 | 12,692,000 | 17,181,000 |
| Net interest income | 7,812,000 | 15,518,000 | 26,253,000 | 36,016,000 |
| Noninterest income | 774,000 | 2,984,000 | 4,471,000 | 5,605,000 |
| Noninterest expense | 5,221,000 | 10,592,000 | 18,737,000 | 27,800,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,362,000 | 7,911,000 | 12,204,000 | 14,040,000 |
| Income tax | 894,000 | 1,894,000 | 1,776,000 | 2,208,000 |
| Net income | 2,468,000 | 6,017,000 | 10,428,000 | 11,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,258,000 | 80,815,000 | 85,769,000 | 87,951,000 |
| Total capital | 75,183,000 | 89,208,000 | 94,097,000 | 96,811,000 |
| Risk-weighted assets | 552,590,000 | 668,568,000 | 663,075,000 | 706,788,000 |