{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-070288","form_type":"8-K","ticker":"BBT","cik":"0001108134","company_name":"Beacon Financial Corp","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.358015+00:00","generated_at":"2026-05-18T01:59:59.662425+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 Q2 2025: GAAP EPS $0.66, Operating EPS $0.69, growth across metrics","bullets":["GAAP EPS $0.66; operating EPS $0.69, up 15% linked quarter and 25% year over year.","Net interest margin 3.27%, up 3 bps from Q1 and 7 bps from Q2 2024.","Efficiency ratio improved to 56.7% from 59.5% in Q1 2025 and 63.4% year ago.","Net income $30.4M vs $25.7M in Q1 2025 and $24.0M in Q2 2024.","Delinquent and non-performing loans ratio 0.48%; loan book $9.5B, deposits $9.98B."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-070288","json":"https://secwatch.observer/filing/0001104659-25-070288.json","markdown":"https://secwatch.observer/filing/0001104659-25-070288.md","text":"https://secwatch.observer/filing/0001104659-25-070288.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1108134/000110465925070288/0001104659-25-070288-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1108134/000110465925070288/tm2521563d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:59:59.662425+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"}