(Reuters) – New York Community Bancorp shares rose 4.2% on Thursday after it disclosed it has more than $18.7 billion in reciprocal deposit capacity to offer its customers expanded deposit insurance, calming investor worries around its stability.

Reciprocal deposit networks allow banks to insure deposits over the Federal Deposit Insurance Corporation’s $250,000 limit and have aided the growth of insured deposits in recent months.

These networks allow banks to interchange deposits in order to increase exposure to FDIC insurance, according to the Federal Reserve website.

NYCB said if it utilizes the reciprocal deposit capacity its share of fully insured deposits to total deposits would be 95%.

Deposit security has been in focus since three regional lenders collapsed early last year due to bank runs triggered by worried customers pulling cash.

NYCB will also hold meetings and events with institutional investors in February and March, it said in a regulatory filing.

Shares in the bank have slumped more than 50% since Jan.31 when it posted a surprise fourth-quarter loss due to its loans tied to the stressed commercial real estate sector and cut its dividend.

Three credit rating downgrades added to the woes of the lender that has promised to take steps to lower its CRE exposure under newly appointed executive chair Alessandro DiNello.

Morningstar DBRS analysts said CRE troubles will weigh on U.S. banks’ financial performance, but expect the process will take multiple years with losses spread out as lenders work through maturing loans.

“Some of these loans are well positioned and will be refinanced, some will be extended and some will go bad,” the ratings agency said in a note, adding that it expects most regional banks to work through the problems.

(Reporting by Manya Saini in Bengaluru; Editing by Arun Koyyur)