---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-000481"
form_type: "8-K"
ticker: "BBT"
cik: "0001108134"
company_name: "Beacon Financial Corp"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T06:53:25.983009+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Beacon Financial Q4 net income $53.4M, EPS $0.64; declares $0.3225 dividend

## Summary
- Net income $53.4M ($0.64 diluted EPS) vs. net loss in prior quarter; operating EPS $0.79.
- Net interest income $199.7M, NIM expanded 20 bps to 3.82%.
- Total assets $23.2B, deposits $19.5B; tangible book value $23.32/share.
- Quarterly dividend $0.3225 per share, payable Feb 27, 2026, record Feb 13.
- Nonperforming loans rose to 0.63% of loans; provision for credit losses $8.1M, down from $20.3M.

## SEC filing metadata
- accession: 0001171843-26-000481
- form_type: 8-K
- ticker: BBT
- cik: 0001108134
- company_name: Beacon Financial Corp
- filed_at: 2026-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1108134/000117184326000481/0001171843-26-000481-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1108134/000117184326000481/f8k_012826.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-000481
- JSON: https://secwatch.observer/filing/0001171843-26-000481.json
- Plain text: https://secwatch.observer/filing/0001171843-26-000481.txt

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