NYCB and Meridian face uncertainty due to current challenges...

NYCB and Meridian face uncertainty due to current challenges. NYCB's business model could change significantly with the new CEO's potential move to reduce commercial real-estate exposure. Meridian's future in the industry is questionable after being blacklisted by Fannie Mae and Freddie Mac. The commercial real-estate market and associated banking sector may face a tough period due to loan default concerns.