"Overnight, this bank became a major bank," said Jim Cramer on CNBC's "Stop Trading!" segment on Tuesday of First Niagara Financial ( FNFG).First Niagara's acquisition of 57 PNC Financial ( PNC) branches "is the beginning of what I expect to see from a lot of regionals that have good balance sheets," such as FirstMerit ( FMER). "I think we're going to have a whole new group." In other news, Cisco ( CSCO)'s down for the second day in a row, and its recent quarter was "nothing to write home about," said Cramer, but he still sees potential. "Maybe next year's going to better than this year," he said. "I just don't want to write off Cisco right now."