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” that went 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!


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Executive Team


Meet the American Commerce Bank Executive Team

From left to right: Christine Swanson, David Tate, Kevin Thrash, Gary Lochbaum

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 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 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.

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).