---
schema_version: "secwatch.filing_event.v1"
accession: "0001108134-25-000017"
form_type: "8-K"
ticker: "BBT"
cik: "0001108134"
company_name: "Beacon Financial Corp"
filed_at: "2025-10-29T23:59:59+00:00"
generated_at: "2026-05-17T01:34:40.106946+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Beacon Financial reports Q3 net loss of $56.3M on $129.8M merger costs; operating EPS $0.44

## Summary
- Net loss of $56.3M ($0.64/sh) reflects $129.8M pre-tax merger costs ($51.9M expenses + $77.9M provision).
- Operating earnings (non-GAAP) of $38.5M or $0.44 per diluted share.
- Merger of equals between Berkshire Hills and Brookline closed Sept 1; combined assets $22.8B.
- Quarterly dividend $0.3225/sh declared, payable Nov 24 to holders of record Nov 10.
- NPL ratio improved to 0.54% (from 0.65% QoQ); net charge-offs rose to $15.9M from $5.1M.

## SEC filing metadata
- accession: 0001108134-25-000017
- form_type: 8-K
- ticker: BBT
- cik: 0001108134
- company_name: Beacon Financial Corp
- filed_at: 2025-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1108134/000110813425000017/0001108134-25-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1108134/000110813425000017/bbt-20251029.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001108134-25-000017
- JSON: https://secwatch.observer/filing/0001108134-25-000017.json
- Plain text: https://secwatch.observer/filing/0001108134-25-000017.txt

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