What is happening in the banking sector or will last year be repeated?

We are approaching almost exactly the anniversary of the crisis that brought down several mid-sized banks, and the troubles of another banking giant are once again drawing unwanted attention to the industry. What is it?

New York Community Bancorp $NYCB-0.9% is trying to quell concerns about its financial stability after the bank's stock plunged a week ago when the company posted poor quarterly…