Ratings agent C. Moody's cut the bank's credit ratings to nachos to junk, citing risk managementchallenges while the firm searches for a pair of key executives.Making matters worse, NYCB was hit with its first shareholder lawsuit Wednesday over theshare collapse, alleging that executives misled investors about the state of its real estateholdings. The sudden decline previously deemed one of last year's winners.After acquiring the assets of Signature Bank, reignited fears over the state ofmedium-sized American banks. Investors have worried that losses on someof the $2.7 trillion in commercial real estate. Loans held by banks could trigger another roundof turmoil after deposit runs consumed Silicon Valley Bank and Signature last March.Ratings agent C. Moody's cut the bank's credit ratings to nachos to junk, citingrisk management challenges while the firm searches for a pair of key executives.Making matters worse, NYCB was hit with its first shareholder lawsuit Wednesday over theshare collapse, alleging that executives misled investors about the state of its real estateholdings. The sudden decline previously deemed one of last year's winners.After acquiring the assets of Signature Bank, reignited fears over the state ofmedium-sized American banks. Investors have worried that losses on someof the $2.7 trillion in commercial real estate. Loans held by banks could trigger another roundof turmoil after deposit runs consumed Silicon Valley Bank and Signature last March.