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NEW YORK ( TheStreet) -- When it comes to the regional banks, "the time is now," Jim Cramer told Lindsey Bell at TheStreet.com Thursday. He said the expectations have been set very high at the big banks including Citigroup ( C) and Bank of America ( BAC), but it is the regional banks that are putting up the numbers. Cramer said many investors and analysts are focused on a single metric, net interest margin, but that's only one of many matrices that matter. He said that as with any business sales matter, growth matters and more loans matter, all of which the regionals banks have. That's why KeyCorp ( KEYB) remains a favorite for Cramer's charitable trust,