{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-111063","form_type":"8-K","ticker":"BBT","cik":"0001108134","company_name":"Beacon Financial Corp","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.689243+00:00","generated_at":"2026-05-30T10:20:24.980054+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Berkshire Hills Q3 net income $37.5M ($0.88 EPS); operating EPS $0.58 up 16% YoY","bullets":["Net income $37.5M, EPS $0.88; operating EPS $0.58, up 5% linked and 16% YoY.","Non-operating gain of $16M from branch sale contributed $0.30 after-tax per share.","Net interest margin (FTE) 3.16%; operating revenue up 1% linked and 2% YoY.","Return on tangible common equity 14.8%; operating return 9.9%.","Loans $9.21B, deposits $9.58B at quarter end; efficiency ratio 63.7%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-111063","json":"https://secwatch.observer/filing/0001104659-24-111063.json","markdown":"https://secwatch.observer/filing/0001104659-24-111063.md","text":"https://secwatch.observer/filing/0001104659-24-111063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1108134/000110465924111063/0001104659-24-111063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1108134/000110465924111063/tm2426749d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:20:24.980054+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}