About Us
American Commerce Bank opened for business in October 2004, and quickly earned a reputation for dependable relationship banking. Many of our initial customers still rely on us for their banking needs. From its first offices in west Georgia, our bank has prospered along with the communities we serve, tripling in size and market locations since 2012.
In June 2015, ACB acquired a key location in Tallahassee, Florida. Management and the board were attracted to a dynamic capital city that is home to two great schools: Florida State and Florida A&M University. Later that same year, the bank expanded into metro Atlanta with an office in the thriving and diverse city of Johns Creek.
In 2021, we announced our latest expansions: a new office in Carrollton, GA and a “digital branch” set to go live in 2022. In all that time, ACB has maintained the highest capital ratings and remained focused on soundness, profitability and growth.
American Commerce Bank specializes in customized solutions for both business and personal banking needs. Our bank offers market-leading deposit rates as well as convenient on-line banking and treasury management services.
Our primary commercial customers include owner-managed businesses, commercial property investors and their employees. By structuring terms to the specific needs of business borrowers, ACB is a champion of great community banking!
Executive Team
Meet the American Commerce Bank Executive Team
From left to right: Gary Lochbaum, Christine Swanson, David Tate, Kevin Thrash, Bob Koncerak
Kevin Thrash
Executive Vice President
Kevin Thrash has 30 years’ experience in Credit Management, Project Management, Corporate Finance, and Banking. Kevin is American Commerce Bank’s Senior Lender and is responsible for loan production and underwriting. He has a BBA from Mississippi State University, an MBA from Georgia State University, and has completed the Graduate School of Banking at LSU. Kevin is also a Certified Treasury Professional.
David Tate
President / CEO
David Tate has served as the Executive Vice President and Chief Risk and Credit Officer for American Commerce Bank prior to being named President/CEO. He is responsible for the strategic management of all credit administration, policy and loan approval functions, as well as special and classified assets management, collections and recovery. He has previously served as Director of Loan Review and Special Assets Manager for Renasant Bank, a multi-state regional bank headquartered in Tupelo, Mississippi. David received his B.S. degree in commerce and business administration from the University of Alabama.
Robert Koncerak
Executive Vice President
Robert Koncerak is an Executive Vice President and serves as the bank’s Chief Operating Officer. Bob has 20 years of banking experience and has worked at numerous financial institutions in both management and executive capacities. Throughout his career, Bob has held positions across corporate banking, wealth management, capital markets, and community banking. Bob is a 1983 graduate of Penn State University and received an MBA from Duquesne University in 1997. In the community, Bob is a member of the Alpharetta Rotary Club and serves on the board of the Black School of Business at The Pennsylvania State University.
Gary Lochbaum
Executive Vice President / Chief Credit Officer
Gary Lochbaum has over 35 years of banking industry experience and is American Commerce Bank’s Chief Credit Officer. He is responsible for credit administration and loan operations, as well as overseeing special assets. Gary has been active in numerous civic clubs and has served on the Georgia Bankers’ Leadership Board of Directors. Gary is a 1985 Graduate of the University of Tennessee with a BS degree in Finance.
Christine A. Swanson
Executive Vice President/Chief Financial Officer
Christine A. Swanson, CPA, was recently promoted to Executive Vice President and Chief Financial Officer of American Commerce Bank, after serving as Senior Vice President and Controller for the past four years. Christine has over 16 years of community banking experience in Accounting, Finance, Regulatory Reporting and Audit functions. A graduate of the University of West Georgia with a BBA in accounting and a Master of Professional Accounting, she is also a Certified Public Accountant (CPA) and a Qualified Water Loss Auditor (QWLA).
David Tate
President / CEO
David Tate has served as the Executive Vice President and Chief Risk and Credit Officer for American Commerce Bank for the past seven years and has recently been promoted to President / CEO. He is responsible for the strategic management of all credit administration, policy and loan approval functions, as well as special and classified assets management, collections and recovery. He has previously served as Director of Loan Review and Special Assets Manager for Renasant Bank, a multi-state regional bank headquartered in Tupelo, Mississippi. David received his B.S.degree in commerce and business administration from the University of Alabama.
Kevin Thrash
Executive Vice President
Kevin Thrash has 30 years’ experience in Credit Management, Project Management, Corporate Finance, and Banking. Kevin is American Commerce Bank’s Senior Lender and is responsible for loan production and underwriting. He has a BBA from Mississippi State University, an MBA from Georgia State University, and has completed the Graduate School of Banking at LSU. Kevin is also a Certified Treasury Professional.
Robert Koncerak
Executive Vice President
Robert Koncerak is an Executive Vice President and serves as the bank’s Chief Operating and Financial Officer. Bob has 20 years of banking experience and has worked at numerous financial institutions in both management and executive capacities. Throughout his career, Bob has held positions across corporate banking, wealth management, capital markets, and community banking. Bob is a 1983 graduate of Penn State University and received an MBA from Duquesne University in 1997. In the community, Bob is a member of the Alpharetta Rotary and serves on the boards of Graduation Achievement Charter High School, the Isakson Alpharetta YMCA, and the Black School of Business at The Pennsylvania State University.
Gary Lochbaum
Executive Vice President / Chief Credit Officer
Gary Lochbaum has over 35 years of banking industry experience and is American Commerce Bank’s Chief Credit Officer. He is responsible for credit administration and loan operations, as well as overseeing special assets. Gary has been active in numerous civic clubs and has served on the Georgia Bankers’ Leadership Board of Directors. Gary is a 1985 Graduate of the University of Tennessee with a BS degree in Finance.
Christine A. Swanson
Executive Vice President/Chief Financial Officer
Christine A. Swanson, CPA, was recently promoted to Executive Vice President and Chief Financial Officer of American Commerce Bank, after serving as Senior Vice President and Controller for the past four years. Christine has over 16 years of community banking experience in Accounting, Finance, Regulatory Reporting and Audit functions. A graduate of the University of West Georgia with a BBA in accounting and a Master of Professional Accounting, she is also a Certified Public Accountant (CPA) and a Qualified Water Loss Auditor (QWLA).