BankSURF™ Bank Assessment Tool

Assesing Bank Performance

Evaluating the financial performance of banks is a multifaceted process that goes beyond traditional indicators like profits or growth rates. Banks operate within a highly regulated, interconnected environment where factors such as liquidity, regulatory compliance, and credit risk management all play critical roles in determining overall performance.

To provide a more robust assessment, the company developed a proprietary algorithm based on the CAMEL framework—an established method that evaluates a bank's Capital adequacy, Asset quality, Management, Earnings, and Liquidity. This algorithm aggregates and analyzes these key areas to offer a comprehensive view of a bank's financial health. The application we built integrates this algorithm, offering users a dynamic, real-time snapshot of a bank’s performance based on these crucial factors.

For investment bankers and analysts, this tool goes beyond standard metrics like net interest margins or loan-to-deposit ratios. By incorporating Angel Oak's CAMEL-based algorithm, the app provides deeper insights into how well a bank is positioned in terms of capital resilience, asset risk, operational efficiency, profitability, and liquidity management—elements that are vital for making informed investment and regulatory decisions.

Building a Bank Health Dashboard

BankSURF™ is one of the tools I created while working for Angel Oak Capital Advisors in Buckhead, GA. This tools helps investment bankers to analyze the performance of all banks in America. This tool includes a dashboard and an advanced multi-dimensional analysis tool that allows the user to explore the data in a variety of ways.

Biggest Challenges

For this project, one of the most difficult hurdles was handling the sheer volume of data the tool needed to process. Each bank's dataset contains thousands of data points, all of which had to be processed in real-time. Achieving this required a delicate balance between performance and efficiency. I implemented a combination of lazy loading and optimized queries to ensure the tool remained fast and responsive, even when working with large datasets.

Lazy loading allowed the system to load data incrementally, enabling users to interact with the tool almost immediately, while additional data continued to load in the background. This approach was key to maintaining performance and user experience, especially when dealing with datasets in the size of hundreds of gigabytes.

Azure DevOps presented a unique set of challenges. While I had extensive experience with other CI/CD platforms, integrating Azure DevOps into the workflow required mastering its specific tools and capabilities. This involved building robust pipelines, configuring multi-stage releases, and ensuring a seamless, error-free deployment process.

Another significant aspect was ensuring the tool's responsiveness across various devices. Given the complexity of the data and the multiple ways it could be displayed, making sure the tool adapted seamlessly to different screen sizes was essential. I had to design multiple versions of the interface and rigorously test them on various devices to guarantee a consistent and optimal user experience.

Technical Details

Project Outcome

This tool is in full production stage, in compliance with all online website regulations and with full authentication and authorization capabilities. Check the online tool, request a demo or contact sales at:

www.angeloakbanksurf.com