secwatch.observer — SEC 8-K summary
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Issuer:     Beacon Financial Corp (BBT)
CIK:        0001108134
Form:       8-K
Filed at:   2025-07-24T23:59:59+00:00
Accession:  0001104659-25-070288
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1108134/000110465925070288/0001104659-25-070288-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1108134/000110465925070288/tm2521563d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-070288

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer