BBT Beacon Financial Corp

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Full-service financial holding company offering commercial, retail, and wealth management banking services
• • Completed merger of equals with Brookline Bancorp in September 2025; renamed to Beacon Financial Corporation, ticker changed to BBT
• • Loan and lease portfolio surged 84.4% to $18.0 billion, with commercial loans up 69.8% to $14.0 billion post-merger
• • Total deposits more than doubled, up 119.2% to $19.5 billion; core deposits rose 112.6% to $13.1 billion after the Transaction
• • Net interest income grew 52.6% to $503.1 million with net interest margin rising 50 bps to 3.56%, driving a 31.4% net income increase to $90.3 million

Risk Factors

• • Regulatory risk: SBA 7(a) lending program dependency on U.S. federal government funding and guarantees subject to congressional and government shutdown risks
• • Macroeconomic risk: 77.4% of loans are commercial real estate/commercial loans, vulnerable to local economic downturns and real estate value declines
• • Operational risk: $855.6 million in loan participations with limited monitoring control, increasing exposure to credit losses from lead lenders
• • Competitive risk: Rising fintech competition using AI and quantum computing could disrupt Beacon's products and services if innovation lags
• • Financial risk: Liquidity dependent on FHLB funding access, with potential impairment of FHLB stock investment affecting financial condition

Management Discussion & Analysis

• • Revenue impact from Transaction: total assets up $11.3B (95.0%) to $23.2B; total loans and leases up $8.3B (84.4%) to $18.0B; deposits up $10.6B (119.2%) to $19.5B
• • Net income $90.3M, up 31.4% YoY from $68.7M; net interest margin 3.56% vs 3.06%; operating earnings $142.3M vs $72.4M; operating EPS $1.62 vs $0.81
• • Best performing segment: consumer loans up $2.5B (161.5%); worst: equipment financing down 10.2%
• • Non-interest expense up $147.9M to $389.7M due to merger costs; dividends paid $63.1M, payout ratio 69.92%; no explicit capex or buyback figures disclosed
• • Forward outlook: net interest margin expected to increase modestly if yield curve normalizes; risks from rate volatility and deposit mix shifts noted; emphasis on maintaining net interest income and credit risk management

What are the latest BBT SEC filings in 2026?

Beacon Financial Corp (BBT) has filed a 10-K annual report on March 2, 2026, a 10-Q quarterly report on May 11, 2026, an 8-K current report on August 3, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did BBT file its most recent 10-K annual report?

Beacon Financial Corp (BBT) filed its most recent 10-K annual report on March 2, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view BBT 10-Q quarterly reports?

Beacon Financial Corp (BBT)'s most recent 10-Q quarterly report was filed on May 11, 2026. SignalX displays every BBT 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has BBT filed recently?

Beacon Financial Corp (BBT)'s most recent 8-K was filed on August 3, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find BBT insider trading activity (Form 4)?

SignalX aggregates every BBT Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does BBT file with the SEC?

Beacon Financial Corp (BBT) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new BBT filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Beacon Financial Corp (BBT).

What is BBT's SEC CIK number?

Beacon Financial Corp (BBT)'s SEC CIK (Central Index Key) number is 1108134. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1108134 to look up all BBT filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find BBT return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Beacon Financial Corp (BBT) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.