Case Study: American Commerce Bank improves budgeting, forecasting, and rate analysis with Deluxe Banker’s Dashboard

Hidden gems from a seasoned Dashboard user

American Commerce Bank, led by CFO/COO/EVP Bob Koncerak, wanted better visibility into loan concentrations, rate sensitivity, deposit pricing, branch performance, and long-term planning. The bank was looking for an easier way to turn daily balance sheet and income statement data into actionable budgeting and forecasting insight, using Deluxe’s Banker’s Dashboard product.

With Deluxe’s Banker’s Dashboard, American Commerce Bank used tools such as CD Repricing and Prime Rate Shock, balance sheet comparisons, margin analysis, and multi-year projections to model rate changes, spot exceptions, and support strategic planning. Koncerak said the platform made it easy to project rising funding costs, track about 60% of the loan portfolio that reprices as floating-rate loans, and build a three-year strategic projection, helping the bank better manage margin, spread, and growth decisions.

American Commerce Bank

Bob Koncerak,

Chief Financial Officer/COO/EVP