Before Wednesday trading, the stock price of New York Community Bank (NYCB) experienced another significant fluctuation, with a drop of over 15% at one point, followed by a rise of over 16%, and then a rebound. After the opening, the stock fluctuated and fell, with a drop of over 7% as of press release. Since the bank released a much lower than expected quarterly report, the stock price has fallen by nearly 60%. Both Fitch and Moody's rating agencies have downgraded the bank's rating. Will the sharp drop in community banks in New York trigger another banking crisis in the United States? This raises concerns.