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On Feb. 1 as New York Community Bancorp stock fell amid worries about its real estate exposure, a regional bank hundreds of miles away got a call from Moody's. The ratings agency wanted to know if the bank was seeing any fallout. Moody's asked the bank, based in the U.S. south, a series of questions, ranging from whether its clients were worried and had withdrawn any deposits to what kind of funding facilities it had in place for contingencies, the bank's CEO said. The southern regional bank wasn't the only one to receive such a call.

The upcoming deluge of US bank earnings is expected to show more pressure on deposits, an uptick in reserves for bad loans and much talk about potential new regulations. "You're going to see some challenges on the earnings picture," said Chris Wolfe, a managing director at Fitch Ratings, who expects banks to set aside greater reserves as households savings erode.

Roughly a month after Silicon Valley Bank's collapse sparked fears of contagion, quarterly earnings reported this week are expected to focus on bank liquidity and the industry's preparation in case of recession.

Roughly a month after Silicon Valley Bank's collapse sparked fears of contagion, quarterly earnings reported this week are expected to focus on bank liquidity

US banks face increased scrutiny of Q1 results after SVB collapse