{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-006943","form_type":"8-K","ticker":"BBT","cik":"0001108134","company_name":"Beacon Financial Corp","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.886370+00:00","generated_at":"2026-06-20T07:50:35.124981+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Berkshire Hills Q4 2022 EPS $0.69, 64% YoY increase; NIM expands to 3.84%","bullets":["Q4 2022 GAAP EPS $0.69 (record), up 64% YoY; adjusted EPS $0.64, up 52%.","Net interest margin 3.84% vs 2.60% in Q4 2021; net interest income up 11% QoQ.","Total loans grew 5% QoQ and 22% YoY; deposits up 3% QoQ; non-performing loan ratio 0.60%.","Board authorized $50M share repurchase program for 2023; quarterly dividend increased 50% in Q4.","Provision for credit losses $12M in Q4 driven by one C&I credit that filed for bankruptcy."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-006943","json":"https://secwatch.observer/filing/0001104659-23-006943.json","markdown":"https://secwatch.observer/filing/0001104659-23-006943.md","text":"https://secwatch.observer/filing/0001104659-23-006943.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1108134/000110465923006943/0001104659-23-006943-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1108134/000110465923006943/tm234453d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:50:35.124981+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6efed0c1748fe46b99ee70e585203960bcb1bc65","claim":"Beacon Financial Corp reported fourth quarter and year ended December 31, 2022 results: EPS $0.69.","evidence_excerpt":"On January 26, 2023, Berkshire Hills Bancorp, Inc. (the “Company”), the holding company for Berkshire Bank (the “Bank”), announced its financial results for the fourth quarter and year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1108134/000110465923006943/0001104659-23-006943-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and year ended December 31, 2022"},{"label":"EPS","value":"$0.69"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}