---
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"
generated_at: "2026-05-18T01:59:59.662425+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Berkshire Hills Q2 2025: GAAP EPS $0.66, Operating EPS $0.69, growth across metrics

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-070288
- JSON: https://secwatch.observer/filing/0001104659-25-070288.json
- Plain text: https://secwatch.observer/filing/0001104659-25-070288.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.