Several regional banks in the United States went bankrupt one after another last year, causing lingering turbulence in the US financial market. After a year, there was another Black Swan incident in the US financial market. The New York Community Bank, which once took over the signing bank, stated that it had identified "significant deficiencies" in internal controls related to loan reviews and revised its fourth quarter loss to $2.8 billion last year. After Fitch and Moody's downgrades, investors continued to ferment negative sentiment towards New York Community Bank, with its stock price plummeting by 40% in two trading days last Friday and this Monday. However, overnight, the stock price of New York Community Bank rebounded, rising by about 18%, easing the market's panic.