Heartland Tri-State Bank Branches to Reopen as Dream First Bank on Monday, July 31

Rachel LeadholdClient News, Supply Chain Feature

July 30, 2023 (Elkhart, KS) — To protect Heartland Tri-State Bank depositors, Dream First Bank has entered into an agreement on July 28 with the FDIC to purchase and assume all deposits of Heartland Tri-State Bank. Heartland Tri-State Bank employees and customers are being welcomed to Dream First Bank during the transition. Now a part of Dream First Bank, each of the former Heartland Tri-State Bank branches will continue to provide personal and business banking services to the community. 

“At Dream First Bank, we understand this is unexpected news for Heartland Tri-State Bank customers. Most importantly, I want to confirm that the Heartland Tri-State Bank employee jobs, deposits and banking relationships are not affected by today’s news,” said Chris Floyd, President and CEO of Dream First Bank. “Dream First staff will continue to provide exceptional customer service and be available to answer questions that employees and customers may have.” 

Depositors of Heartland Tri-State Bank have uninterrupted access to their money by writing checks or using existing ATM or debit cards. Checks drawn on the bank will continue to be processed. Depositors of Heartland Tri-State Bank will become depositors of Dream First Bank, so customers do not need to change their banking relationship to retain their deposit insurance coverage. The four branches of Heartland Tri-State Bank located in Elkhart, Rolla, Arlington and Attica, Kansas will reopen as branches of Dream First Bank, National Association, on Monday, July 31, under normal business hours.  

For more than 100 years, Dream First Bank has been serving Southwest Kansas and beyond.  Dream First is a community bank that lends a hand to individuals and businesses in the community by finding fiscal resources to make dreams a reality. With roots in agriculture, Dream First has grown to provide a wide array of products and services to fit any dream. The Dream First Bank staff understands that being in our communities comes with a great responsibility to do more than just meeting the financial needs of southwest Kansas.

Dream First Bank was recently inducted into The Institute for Extraordinary Banking Hall of Fame in 2022, following the bank’s recognition as the 2019 Extraordinary Bank of the Year, the only award recognizing elite, ambitious, results-oriented banks that stand out as the best in their community. 

“Dream First Bank has an extraordinary commitment to its customers and our vision of helping people. It meant a great deal to us to be recognized by the Institute for Extraordinary Banking and trusted by the FDIC to step in and help in this situation,” said Chris Floyd.

Dream First Bank offers its banking services to customers nationwide, providing options for agriculture, business and families such as:

  • Deposit Accounts
  • Operating/Working Capital Loans
  • Business Manager Receivables Purchasing
  • Equipment Term Loans
  • Real Estate Loans
  • Treasury Management Solutions
  • Digital Account Management
  • Savings/Certificates of Deposits
  • Mortgage loans
  • Home Equity Loans
  • Retail/Vehicle Loans
  • Digital Services
  • Zelle/Bill Pay
  • ClickSwitch

Additional details on this bank news are available on the FDIC site here: https://www.fdic.gov/news/press-releases/2023/pr23058.html

About Dream First: 

Dream First has been serving communities across Southwest Kansas and beyond for more than 100 years, with branches in Syracuse, Johnson, Garden City, Ulysses and Hugoton. The bank began in agriculture and now provides a wide array of products and services to fit any dream. Visit dreamfirst.bank for additional information. 

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Media Contacts: 

Master Plan Communications, Inc. 

Ashton Maxfield 


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Kirsten Woodard


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