DFC Consulting Company, Inc. was founded in 1996 to assist financial institutions in resolving problem loans. The company has since become one of Northern California's premier bank consulting firms, offering a wide array of financial services to both bank and non-bank clients.

DFC employs a results oriented, goal achievement approach to each and every one of its engagements. This is a direct reflection of founder Dennis F. Ceklovsky's philosophy of achieving results in the most expedient and professional manner possible.
With over 30 years of banking & financial experience, DFC is the consulting partner you want at your side. And that experience ranges from 15 years of corporate "big bank" experience to 10 years of community bank experience. It includes troubled bank turnarounds, start-up bank projects, strategic planning, market share analysis, demographic research, and director & management training, to name a few.

Being a former bank President & Chief Credit Officer, Dennis is ever mindful of the client's bottom line and the need to minimize costs, while at the same time, maximizing shareholder value.

DFC, along with its network of associates, has the talent & resources to provide a wide array of financial services to its bank and non-bank clientele. With our vast resources, experience and excellent rapport with bank regulators, DFC can provide a valuable & cost effective solution to managing many non-revenue tasks.


Dennis F. Ceklovsky is the President of DFC Consulting Company, Inc. Prior to forming the company in 1996, Dennis began his banking career with Bank of America. He spent his first 15 years there serving in a variety of credit & managerial positions, and was honored in 1984 by B of A's President for outstanding performance.

In 1988 he entered community banking where, over the next 8 years, he distinguished himself as an accomplished turnaround expert of troubled institutions, earning the respect of state & federal regulatory agencies.

As a result of his accomplishments, Dennis was selected and approved as the President of 2 start-up community bank projects. This unique combination of skills and experience gives him a valuable perspective on the banking and financial industries.

Dennis has been a regular guest speaker at California State University-Sacramento and is a former instructor for the California Community College system in the areas of banking, finance & management. He has served on the boards of several Greater Sacramento area community organizations, including the Sacramento Chapter of Robert Morris Associates, a banking industry credit organization.