19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 20, 2026
Call-report figures are for Dream First Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Dream First Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $391K in Q2 2026, 34% above the same quarter a year earlier ($292K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Platinum Interest Checking
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 2.5% from Q3 2025 to Q2 2026, to $391K.
$391K
Dream First Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Dream First Bank, National Association · $964M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Dream First Bank, National Association(this institution) | Syracuse, KS | $964M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Botetourt | Buchanan, VA | $939M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank | Little Rock, AR | $955M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dundee Bank | Omaha, NE | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank & Trust Co. | Duncan, OK | $952M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commerce Bank | Lewisburg, TN | $935M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Bank of Tennessee | Shelbyville, TN | $944M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Bank of Kansas City | Lees Summit, MO | $993M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Community Bank, National Association | Dover, OH | $995M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank and Trust Company of Weatherford | Weatherford, TX | $968M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Security Bank | Batesville, MS | $977M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Waynesboro, MS | $952M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Haven Savings Bank | Hoboken, NJ | $987M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HomeTown Bank, National Association | Galveston, TX | $990M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| International Bank of Chicago | Chicago, IL | $983M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mid-Missouri Bank | Springfield, MO | $947M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Midwest Bank | Detroit Lakes, MN | $985M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Passumpsic Savings Bank | Saint Johnsbury, VT | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Bank | Henderson, TX | $954M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Heritage National Bank | Daingerfield, TX | $936M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Berlin, WI | $949M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers Bank | Portland, TN | $943M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Granbury | Granbury, TX | $946M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The First National Bank of Middle Tennessee | Mcminnville, TN | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Killbuck Savings Bank Company | Killbuck, OH | $954M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Winchester Co-operative Bank | Winchester, MA | $947M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.95, the middle of its three prices, against a peer median of $9 among 13 publishing peers.
Its three checking prices are $7.95, $7.95 and $7.95.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Dream First Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $391K | +$9K | +2.4% |
| Q1 2026 | $382K | +$12K | +3.2% |
| Q4 2025 | $370K | −$31K | −7.7% |
| Q3 2025 | $401K | +$109K | +37.3% |
| Q2 2025 | $292K | +$16K | +5.8% |
| Q1 2025 | $276K | −$26K | −8.6% |
| Q4 2024 | $302K | +$5K | +1.7% |
| Q3 2024 | $297K | +$38K | +14.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Dream First Bank, National Association’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| All this for a modest monthly fee (audience not stated, treated as personal) | $7.95 | per month | None |
| Maintenance Fee (if balance requirement is not met) | $7.95 | Not stated | None |
| Maintenance Fee (if balance requirement is not met) (audience not stated, treated as personal) | $7.95 | Not stated | None |
| Account Closing Fee (Benefits Checking)[If closed within first 90 days] | $25 | Not stated | None |
| Dormant Checking, per Statement Cycle (after 24 months of no activity) | $5 | per month | None |
| Dormant Savings, per Statement Cycle (after 24 months of no activity) | $5 | per month | None |
| Account Research per hour (minimum of 1 hour) | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3 | Not stated | None |
| Returned Mail Fee, per item | $7.50Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft, per presentment | $25 | per item | None |
| Return Item/Insufficient Funds, per presentment | $25 | per item | None |
| Overdraft Protection Transfer, per transfer | $3 | per item | None |
ATM & Card | |||
| ATM Foreign Transaction Fee | $2.50 | Not stated | None |
| VISA Debit Card Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire | $20 | Not stated | None |
| Incoming Wire | $10 | Not stated | None |
| Foreign Outgoing Wire | $70 | Not stated | None |
Check Services | |||
| Cashier’s Check | $10 | Not stated | None |
| Money Orders | $2.50 | Not stated | None |
| Stop Payment | $25 | Not stated | None |
| Foreign Check Clearing Fee | $15 | Not stated | None |
Account Services | |||
| Notary Fee | $5 | Not stated | None |
| Drill Safety Deposit Box (both keys lost) | $200Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Tax Levy Fee | $30 | Not stated | None |
Other Fees | |||
| Duplicate Statement Fee (unless e-statement) | $4 | Not stated | None |
| Reproduction per item | $0.50 | per item | None |
| Reproduction per statement | $4 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 20, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Dream First Bank, National Association operates, and what regulators and customers have on file.
In Enid, OK, Dream First Bank, National Association holds 0.1% of bank deposits, #13 of 14, with 1 office.
25 offices of 16 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 14 institutions shown. $5.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2025 to 2026
June 2026: 0.1% share, 1 office, #13 of 14
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2025 to 2026.
Credit unions, reported separately
3 offices of 2 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
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