{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-005016","form_type":"8-K","ticker":"BBT","cik":"0001108134","company_name":"Beacon Financial Corp","filed_at":"2026-07-29T20:16:29+00:00","discovered_at":"2026-07-29T20:18:00.321013+00:00","generated_at":"2026-07-29T20:19:00.572776+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Beacon Financial Q2 net income $64.4M ($0.77 EPS), up from $22.0M in Q2 2025; declares $0.3225 dividend","bullets":["Net income $64.4M ($0.77 diluted EPS) vs $22.0M ($0.25) in Q2 2025 and $46.2M ($0.55) in Q1 2026.","Net interest margin expanded 3 bps to 3.81%; non-interest expense fell $13.6M QoQ as merger costs ended.","Total deposits grew $193.6M QoQ; total loans decreased $101.9M QoQ.","Nonperforming loans ratio 0.86% (up 3 bps); net charge-offs $14.3M (32 bps annualized).","Quarterly dividend $0.3225 per share, payable Aug 28, 2026 to holders of record Aug 14, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-005016","json":"https://secwatch.observer/filing/0001171843-26-005016.json","markdown":"https://secwatch.observer/filing/0001171843-26-005016.md","text":"https://secwatch.observer/filing/0001171843-26-005016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1108134/000117184326005016/0001171843-26-005016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1108134/000117184326005016/f8k_072926.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-29T20:19:00.572776+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"}