Shares of JPMorgan (JPM) - Get Report are down over 3% Tuesday following a negative reaction to the company's Investor Day. Aside from its long-term positive view on China and upbeat outlook on U.S. consumers, investors seem to be drilling in on the company's oil-related comments -- at least, TheStreet's Jim Cramer is doing so. 

On CNBC's "Mad Dash" segment, Cramer, the co-manager of the Action Alerts PLUS portfolio, pointed out that JPMorgan has $44 billion in exposure to the oil and gas sector, which may be larger than some investors had expected. 

JPMorgan JPM data by YCharts

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So if there is a prolonged period of low oil prices, the company will need to dip into its reserves once more, he added. 

Specifically, CFO Marianne Lake said management does not expect oil to stay at $25 for the next 18 months; but if it does, the bank will need to draw an additional $1.5 billion from its reserves. 

JPMorgan operates like a fortress, Cramer said. But investors may be starting to just question how strong that fortress really is. The mega-bank has higher oil and gas exposure than its peers, including AAP holdings Bank of America (BAC) - Get Report and Wells Fargo (WFC) - Get Report , he added. 

At the time of publication, Cramer's Action Alerts PLUS had a long position in WFC and BAC.