Gauging realistic chances

Repost from AlexMBAApply (thank you Alex), didn't notice the general forum, so hoping from some general feedback as well >>

Before I get too carried away with my goals, I just wanted to go over my profile. I would thereby really appreciate any info on which schools I realistically have a chance at. The boards have been very helpful in evaluating the top flight programs, and I think I have very good experiences to contribute to any school that are on par with mid- to top-tier applicants, but my leadership and community service are not on level. This complicated the school selection process a bit.

Perhaps I should also add a bit of color to why my experience is as varied as it is. I originally started off at a Big 4 thinking I'd end up a public accountant, but after 3 years I found banking and investments more interesting. But switching to I-banking or investment management from public accounting isn't that easy, so I took a chance with a national banking regulatory agency to better understand the industry. I've since leveraged my experience with that position and finally work for a large I-bank, but in credit analysis rather than as a buy- or sell-side analyst or in investment management. Now I feel I am ready to make the intended switch to I-banking or into a PE firm / hedge fund / mutual fund.

Here are some more details >>

Nat:
US Citizen, South Asian descent (which I'm guessing qualifies me as "a dime a dozen")

Gender:
Male (same)

Age:
32 in September

Undergrad:
Public Mid Tier (regional state university in Northeast Ohio); GPA 4.0, Finance and Economics double major. Graduated a salutatorian. Lots of leadership experiences here (see below).

Grad:
Private Top Tier (Midwestern Catholic university); GPA 3.64, Master's of Science in Accountancy. Part of a competitive work-study program with a Big 4 firm (fully paid for, hard to get). Some leadership.

GMAT (6 years ago; will take again later this year):
660 (V: 42, Q: 38)

Work Exp:
1. 3 years, staff accountant for a Big 4 firm (during the whole SoX period)
2. 3.5 years, associate bank examiner for a major regulatory agency (during the recent housing crisis)
3. 6 months to present, credit analyst at large multinational investment bank

Certs:
1. CPA / attest (California)
2. Planning on CFA

EC: Lots during undergrad -- president of four clubs (including the umbrella business organization of all clubs), active with community service (actually did a food drive during graduation day), very good rapport with professors / deans / students. More intense grad school -- member of a committee, but otherwise working. Not much since -- first two jobs were travel jobs, so little time for community service; current job is a desk job, so more time. Now -- VP of two positions for local Toastmasters chapter, volunteer 2x/month at the local food bank.

Goals / Potential paths: Investment Banking (Bank M&A), Consulting (Banks), Investment Analysis (Financials), Investment Management / Portfolio Analysis

My school choices were based on:
1. GMAT, BusinessWeek Rankings
2. Personal preference (location, brand, class size)

Dream Schools / Little Chance: Wharton (#1 choice by far), Stanford, Booth, Kellogg
Reach: Duke, UMich, Columbia, UVA, MIT, UC Berkeley
Better Chance: UNC, NYU, Notre Dame, USC, UCLA

My guess is that with a very high GMAT score (ie, >700), I at least have a shot at the Dream Schools and a good chance at the Reach schools. But I may be kidding myself -- so I'm asking if my levels for school choices / planned applications is even realistic. If you have any thoughts or comments or recommendations, they will be most appreciated.

Thank you so much for your time and help in advance!