New York Community Bancorp, which made a significant acquisition during the crisis last year, suffered a setback as its shares plummeted by 38 percent following a disappointing earnings report. The bank, which had appeared to benefit from the crisis when it took over assets from ailing Signature Bank, posted a $252 million loss in the latest quarter and reduced its dividend. This raised concerns among analysts and investors, leading to a 25-year low in the bank's stock price. The bank attributed some of its challenges to the acquisition of Signature, as well as economic conditions impacting commercial real estate loans. Despite attempts to downplay the situation, analysts pressed the bank's executives for more transparency. The bank also cited regulatory requirements for larger lenders and emphasized the difficulty of the decisions made. However, the stability of the bank's deposits provides a notable distinction from the previous crisis. Deposits remained relatively steady at $81.4 billion in the fourth quarter.