Form 8-K

8-K — Beacon Financial Corp

Accession: 0001104659-26-095466

Filed: 2026-08-13

Period: 2026-08-13

CIK: 0001108134

SIC: 6036 (SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — tm2622869d1_8k.htm (Primary)

EX-99.1 — EXHIBIT 99.1 (tm2622869d1_ex99-1.htm)

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8-K — FORM 8-K

8-K (Primary)

Filename: tm2622869d1_8k.htm · Sequence: 1

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0001108134

2026-08-13

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):

August 13, 2026

BEACON FINANCIAL CORPORATION

(Exact name of registrant as specified in

its charter)

Delaware

001-15781

04-3510455

(State

or Other Jurisdiction of Incorporation)

(Commission

File Number)

(I.R.S.

Employer Identification No.)

131 Clarendon Street

Boston, Massachusetts

02116

(Address

of Principal Executive Offices)

(Zip

Code)

(617) 425-4600

(Registrant's telephone number, including area code)

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended

to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of

the Act:

Title

of each class

Trading

Symbol(s)

Name

of each exchange on which registered

Common

Stock, par value of $0.01 per share

BBT

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405

of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant

has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant

to Section 13(a) of the Exchange Act. ¨

Item 7.01. Regulation FD Disclosure.

The attached investor presentation materials contain updated

information that the members of Beacon Financial Corporation (the “Company”) management will use during meetings with

investors, analysts, and other interested parties to assist their understanding of the Company from time to time throughout the

third quarter of 2026. The attached investor presentation materials should be read together with the Company’s annual reports,

quarterly reports and current reports filed from time to time with the Securities and Exchange Commission.

The information in Item 7.01 of this Current Report on Form 8-K, including

Exhibit 99.1 attached hereto, is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities

Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section, nor shall

it be deemed subject to the requirements of amended Item 10 of Regulation S-K, nor shall it be deemed incorporated by reference into any

filing of the Company under the Securities Act of 1933, as amended, or the Exchange Act, whether made before or after the date hereof,

regardless of any general incorporation language in such filing. The furnishing of this information hereby shall not be deemed an admission

as to the materiality of any such information.

Item 9.01. Financial Statements and Exhibits.

Exhibits.

99.1

Investor Presentation of Beacon Financial Corporation, dated August 13,

2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934,

the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

BEACON FINANCIAL CORPORATION

By:

/s/ Carl M. Carlson

Carl M. Carlson

Chief Financial & Strategy Officer

Date:

August 13, 2026

EX-99.1 — EXHIBIT 99.1

EX-99.1

Filename: tm2622869d1_ex99-1.htm · Sequence: 2

Exhibit 99.1

August 2026

Fixed Income Investor

Presentation

Disclaimer

In this presentation, "we," "our," "us," “Beacon,” “HoldCo” or the "Company" refers to Beacon Financial Corporation and its consolidated subsidiaries, including Beacon Bank & Trust (the

“Bank”), unless the context indicates otherwise.

Forward-Looking Statements

Certain statements contained in this presentation that are not historical facts may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as

amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act

of 1995. Forward-looking statements involve risks and uncertainties. These statements, which are based on certain assumptions and describe the Company’s future plans, strategies and

expectations, can generally be identified by the use of the words “may,” “will,” “should,” “could,” “would,” “plan,” “potential,” “estimate,” “project,” “believe,” “intend,” “anticipate,” “expect,”

“target” and similar expressions. These statements include, among others, statements regarding the Company’s intent, belief or expectations with respect to economic conditions, trends

affecting the Company’s financial condition or results of operations, and the Company’s exposure to market, liquidity, interest-rate and credit risk.

Forward-looking statements are based on the current assumptions underlying the statements and other information with respect to the beliefs, plans, objectives, goals, expectations,

anticipations, estimates and intentions of management and the financial condition, results of operations, future performance and business are only expectations of future results. Although the

Company believes that the expectations reflected in the Company’s forward-looking statements are reasonable, the Company’s actual results could differ materially from those projected in

the forward-looking statements as a result of, among other important factors, changes in interest rates; general economic conditions (including the impact of ongoing armed conflicts, tariffs,

inflation, and concerns about liquidity) on a national basis or in the local markets in which the Company operates; turbulence in the capital and debt markets; competitive pressures from other

financial institutions; changes in consumer behavior due to changing political, business and economic conditions, or legislative or regulatory initiatives; changes in the value of securities and

other assets in the Company’s investment portfolio; increases in loan and lease default and charge-off rates; the adequacy of allowances for loan and lease losses; decreases in deposit

levels that necessitate increases in borrowing to fund loans and investments; the diversion of management’s attention from ongoing business operations and opportunities; operational risks

including, but not limited to, cybersecurity incidents, fraud, natural disasters, and future pandemics; changes in regulation; the possibility that future credit losses may be higher than currently

expected due to changes in economic assumptions and adverse economic developments; the risk that goodwill and intangibles recorded in the Company’s financial statements will become

impaired; and changes in assumptions used in making such forward-looking statements; and the other risks and uncertainties detailed in the Company’s Annual Report on Form 10-K for the

fiscal year ended December 31, 2025 and other filings submitted to the U.S. Securities and Exchange Commission (“SEC”). Forward-looking statements speak only as of the date on which

they are made. The Company does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking

statements are made.

NO OFFER OR SOLICITATION

This presentation is not an offer to sell securities and it is not soliciting an offer to buy securities in any state where the offer or sale is not permitted. Neither the SEC nor any other regulatory

body has approved or disapproved of the securities of the Company or passed upon the accuracy or adequacy of this presentation. Any representation to the contrary is a criminal offense.

Industry and Other Information

This presentation has been prepared by the Company solely for informational purposes based on information provided by the Company, as well as information from public sources. Certain of

the information contained herein may be derived from information provided by industry sources. The Company believes such information is accurate and that the sources from which it has

been obtained are reliable. However, such information has not been independently verified, and the Company cannot guarantee the accuracy of such information.

Unaudited Financial Information

Figures contained in this presentation for the quarter ended June 30, 2026 and for other quarterly periods are unaudited. Additionally, all figures presented as year-to-date represent

unaudited results. As a result, subsequent information may cause a change in certain accounting estimates and other financial information.

Non-GAAP Financial Measures

This presentation includes certain financial measures that are not in conformity with accounting principles generally accepted in the United States of America ("GAAP"). The Company

believes that these non-GAAP financial measures provide useful information to management and investors. These non-GAAP financial measures are intended to supplement, not substitute

for, comparable GAAP measures and the Company’s reported results prepared in accordance with GAAP and may not be directly comparable to non-GAAP financial measures presented by

other companies. Reconciliations of non-GAAP financial measures to the most directly comparable GAAP financial measures are provided at the end of the presentation. Numbers in this

presentation may not sum due to rounding.

Today’s Presenters

Benjamin Hoffman

Director of Credit Strategy and Analytics

Mr. Hoffman has served as the Director of Credit Strategy and Analytics of Beacon Bank since the merger

between Brookline Bancorp, Inc. and Berkshire Hills Bancorp, Inc. in 2025. Previously, Mr. Hoffman served as the

Director of Analytics and ACL of Brookline Bancorp, Inc. from 2021 to 2025. Prior to Brookline, Mr. Hoffman spent

a decade with KPMG LLP in Boston, where he was a Managing Director and the firm’s National Commercial CECL

Leader, advising financial institutions on allowance methodology and model development and validation. Mr.

Hoffman earned a Bachelor’s Degree from Colby College.

Carl M. Carlson

Chief Financial and Strategy Officer

Mr. Carlson has served as the Chief Financial and Strategy Officer of Beacon Financial Corporation since the

merger between Brookline Bancorp, Inc. and Berkshire Hills Bancorp, Inc. in 2025. From 2014 through 2025, Mr.

Carlson served as the Co-President and Chief Financial and Strategy Officer of Brookline Bancorp, Inc. Prior to his

tenure with Brookline Bancorp, Inc., Mr. Carlson served in several roles at Webster Financial Corporation and

North Fork Bancorporation. Mr. Carlson earned a Master’s of Business Administration from Dowling College and a

Bachelor’s Degree in Finance from Clarkson University.

Paul A. Perrault

President and Chief Executive Officer

Mr. Perrault has served as the President and Chief Executive Officer of Beacon Financial Corporation since the

merger between Brookline Bancorp, Inc. and Berkshire Hills Bancorp, Inc. in 2025. Mr. Perrault formerly served as

the Chief Executive Officer of Brookline from 2009 to 2025. Prior to Brookline, Mr. Perrault served as the Chief

Executive Officer of Sovereign Bancorp, Inc. and previously as Chief Executive Officer, President and Chairman of

the Board of Chittenden Corporation. Mr. Perrault is on the Board of Trustees of Salve Regina University in

Newport, RI and previously served on the Board of Directors of The Perkins School for the Blind.

Table of Contents

The Beacon Franchise

Loan Portfolio & Asset Quality

Appendix

Financial Performance

Funding & Liquidity

1 The Beacon Franchise

Source: S&P Global Market Intelligence and Company Filings.

(1) Represents a Non-GAAP financial measure. See Non-GAAP Financial Measures included in Appendix for a reconciliation to this measure’s most directly comparable GAAP financial measure.

Beacon Financial Snapshot

Beacon Branch Footprint

Beacon Financial

Corporation (145)

Syracuse

New York

City

Stamford

New Haven

Hartford

New London

Providence

Boston

Springfield

Worcester

Provincetown

Albany

Poughkeepsie

Burlington

Utica

Binghamton

CT RI

Rutland

6/30/2026 Capital Position

TCE / TA(1)

CET1 Ratio

Tier 1 Ratio

Total Risk-Based Capital Ratio

9.25%

11.6%

11.7%

13.6%

6/30/2026 Asset Quality

NPAs / Assets 0.70%

Reserves / Gross Loans 1.34%

NCOs / Avg. Loans 0.32%

6/30/2026 Balance Sheet

Assets

Gross Loans

Deposits

Tangible Common Equity(1)

$22.3

$17.8

$18.5

$2.0

Corporate Information

Headquarters

Ticker

Chief Executive Officer

Markets

Boston, MA

NYSE: BBT

Paul A. Perrault

MA, NY, RI, CT & VT

Figures shown as of or for the stated fiscal quarter end | Dollars shown in billions (unaudited)

Key Milestones

Q2 2026

Merger Synergies

Reflected

Sept. 2025

Merger of Equals

Closed

Feb. 2026

Core Conversion

Completed

6/30/2026 Review

6/30/2026 vs. 3/31/2026

Highlights Profitability Yields / Funding Capital

6/30/2026

Diluted EPS

$0.77

Net Income

$64.4

ROATE(1)

12.8%

ROAA

1.17%

vs. 0.84%

Efficiency Ratio

58.1%

vs. 65.6%

NIM

3.81%

vs. 3.78%

Loans /

Deposits

96.4%

vs. 98.0%

Yield on Earning

Assets

5.76%

vs. 5.70%

Cost of Interest-Bearing Deposits

2.49%

vs. 2.57%

TCE / TA(1)

9.25%

vs. 9.07%

CET1 Ratio

11.6%

vs. 11.2%

CRE / TRBC(2)

317%

vs. 327%

7 Source: S&P Global Market Intelligence and Company Filings.

(1) Represents a Non-GAAP financial measure. See Non-GAAP Financial Measures included in Appendix for a reconciliation to this measure’s most directly comparable GAAP financial measure.

(2) Excludes owner-occupied commercial real estate per regulatory definition.

Figures shown as of or for the stated fiscal quarter end | Dollars shown in millions, except for per share data (unaudited)

Investment Highlights

Experienced management team — combination of Brookline and Berkshire Hills

veterans, led by CEO Paul A. Perrault

Combined scale — the 2025 merger of equals created a leading $22.3B Northeast

franchise, 145 branches across MA, NY, RI, CT & VT

Prudent credit management — history of net charge-off levels well below the

industry average

Stability — resilient performance through rate cycles, underpinned by conservative

underwriting, relationship-based lending and a seasoned credit culture

Granular deposit base — strong core funding mix, declining funding costs and

minimal reliance on wholesale funding

2 Financial Performance

(1.3%)

11.2%

9.3%

12.8%

56.6% 52.8% 55.6% 54.3%

91.6%

63.1% 65.6%

58.1%

($0.05)

$0.64 $0.55

$0.77

$0.38

$0.79

$0.70 $0.77

(0.11%)

0.94% 0.84%

1.17%

Profitability

Return on Average Assets (“ROAA”)

Figures shown as of or for the stated fiscal quarter end (unaudited)

9/30/2025 12/31/2025 3/31/2026 6/30/2026

Source: S&P Global Market Intelligence and Company Filings.

(1) Includes merger, restructuring and Day 1 CECL provision charges.

(2) Represents a Non-GAAP financial measure. See Non-GAAP Financial Measures included in Appendix for a reconciliation to this measure’s most directly comparable GAAP financial measure.

(3) Non-GAAP EPS based on Non-GAAP net income adjusted for merger-related charges.

(4) Non-GAAP efficiency ratio reflects non-interest expense adjusted for merger-related charges and amortization of identified intangibles.

$54.3M $14.4M $13.0M —

Earnings Per Share (“EPS”)

Total Quarterly Pretax Merger Charges(1)

Return on Average Tangible Equity (“ROATE”)(2) Efficiency Ratio

9/30/2025 12/31/2025 3/31/2026 6/30/2026

GAAP

Non-GAAP(2)(3)

Non-GAAP(2)(4)

GAAP

12.5% 13.0% 13.3% 13.6%

10.4% 11.0% 11.2% 11.6%

10.6% 11.1% 11.4% 11.7%

8.56% 8.62% 9.07% 9.25%

Source: S&P Global Market Intelligence and Company Filings.

(1) Represents a Non-GAAP financial measure. See Non-GAAP Financial Measures included in Appendix for a reconciliation to this measure’s most directly comparable GAAP financial measure.

Capital Position

TCE / TA(1)

Figures shown as of or for the stated fiscal quarter end (unaudited)

Tier 1 Ratio

CET1 Ratio

Total Risk-Based Capital Ratio

9/30/2025 12/31/2025 3/31/2026 6/30/2026

3 Loan Portfolio & Asset

Quality

55%

22%

17%

Loan Portfolio: Commercial Segment in Focus

Portfolio Highlights

6/30/2026 Loan Composition

o Portfolio review: Granular, diversified loan portfolio undergoing a simultaneous de-risking in CRE concentration levels and an

expansion in commercial lending that has meaningfully outpaced other segments and the broader loan portfolio since the merger of

equals closed in the third quarter of 2025

$17.8B

Gross Loans

5.99%

Yield on Loans

Commercial

Real

Estate

Consumer

Commercial

Equipment

Financing

Segment Balance

Commercial Real Estate $9,884

Consumer 3,956

Commercial 2,950

Equipment Financing 1,031

Gross Loans $17,822

Figures shown as of or for the stated fiscal quarter end | Dollars shown in millions unless otherwise noted (unaudited)

355%

333%

327%

317%

15.0%

15.4%

16.4% 16.6%

Commercial Loans / Total Loans(1)

CRE / Total Risk-Based Capital(2)

9/30/2025 12/31/2025 3/31/2026 6/30/2026

Source: S&P Global Market Intelligence and Company Filings.

Note: Totals may not sum due to rounding.

(1) Commercial loan balances exclude equipment financing loans.

(2) Excludes owner-occupied commercial real estate per regulatory definition.

Investment CRE 44% Commercial Core 21% Specialty Lending 13% Retail 22%

Segment Perm Constr Total % NAICS Total % Vertical Total % Call Code Total %

Multifamily $2,240 $160 $2,400 31% RE Agent / Broker $600 16% ABL $788 35% Resi 1st Mtg $3,138 79%

Retail 1,321 3 1,324 17% Food and Lodging 552 15% EF Core 924 40% Resi Jr Mtg 26 1%

Industrial 1,062 22 1,084 14% Health and Social 418 11% 44BC 287 13% Resi HELOC 659 17%

Office 1,035 30 1,065 14% Professional 406 11% Firestone 12 1% Consumer 133 3%

Hospitality 520 1 521 7% Manufacturing 386 10% EF Vehicle 145 6% Total $3,956 100%

Healthcare 435 20 455 6% Retail 324 9% EF Macrolease 128 5%

Lab 182 17 199 2% Finance and Ins 305 8% Total $2,284 100%

Restaurant 136 – 136 1% Arts, Entertainment 217 6%

Other 501 113 614 8% Wholesale Trade 213 5%

Total $7,432 $366 $7,798 100% Other Services 202 5%

Construction 134 3%

Trans / Warehouse 27 1%

Total $3,784 100%

Major Loan Segments: Industry Breakdown

Source: Beacon Financial Corporation 6/30/2026 Earnings Presentation. Balances shown are loan book balances, net of acquisition marks. 14

Note: Totals may not sum due to rounding.

Loan Segment Detail (6/30/2026)

Owner-Occupied CRE included in

Commercial and Equipment

Financing

EF Vehicle, EF

Macrolease, and

Firestone have

discontinued new

originations

$7,798 $3,784 $2,284 $3,956

Total Loans Outstanding: $17,822

Dollars shown in millions (unaudited)

39% 36% 35% 39%

34% 38% 39%

62%

50%

51% 56% 55% 49% 59%

56%

33%

29%

42%

8% 6% 6% 5%

4% 6%

13%

6% 8%

3% 2% 4% 6% 3%

14%

Multifamily Retail Industrial Office Hospitality Healthcare Lab Restaurant Other

Investment CRE by Loan-to-Value (LTV)

Source: Beacon Financial Corporation 6/30/2026 Earnings Presentation.

Note: Totals may not sum due to rounding.

Non-Owner-Occupied CRE and Multifamily Exposures

50%- 50%-69% 70%-80% 80%+

Total

(unaudited)

39%

51%

5% 8% 9%

23%

9% 10%

30%

9% 12%

16% 12%

19%

13%

22% 23%

44%

15%

11%

19%

16%

14% 22%

11%

16%

11%

13%

12% 8%

19%

57%

48% 47%

39% 39%

50%

73%

45%

Multifamily Retail Industrial Office Hospitality Healthcare Lab Restaurant Other

Source: Beacon Financial Corporation 6/30/2026 Earnings Presentation. 16

Note: Totals may not sum due to rounding.

Investment CRE by Maturity

Non-Owner-Occupied CRE and Multifamily Exposures

2026 2027 2028 2029 2030+

(unaudited)

Total

49%

11%

14%

16%

10%

54%

21%

12%

13%

63%

29%

Office Portfolio

Source: Beacon Financial Corporation 6/30/2026 Earnings Presentation. Includes construction loans. 17

Note: Totals may not sum due to rounding.

o Office CRE portfolio totals $1.2B or 6.6% of total loans

o Continue to manage the risk of the portfolio with NPLs

of 3.7% and NCOs of $3.7M in the quarter ended

6/30/2026, which were fully reserved

o No meaningful exposure to any major metropolitan area

other than Boston, which represents 17% of the

portfolio

o Majority of portfolio (54%) is Class B Office space

o Weighted Average Loan-to-Value is 55%

o Weighted Average Debt Service Coverage is 1.5x

o Top 20 loans are 38% of the total CRE Office portfolio

98% of portfolio is within

footprint and 63% is

Suburban

Majority of portfolio

(67%) matures after

2027

Office Portfolio & Asset Quality Office Portfolio Metrics

Suburban Urban

Rural 2029+

2026 2027

2028

Criticized Non-Accrual

$ Avg Size $ $

Class A 458.0 6.8 71.4 4.9

Class B 626.2 1.7 125.8 36.9

Class C 84.6 2.2 1.0 0.9

$1,168.8 $2.5 $198.3 $42.7

6/30/2026 Portfolio

$ % $ %

CRE Office: Construction 30.4 3% 43.0 4%

CRE Office: Owner-Occupied 103.4 9% 108.3 9%

CRE Office: Non-Owner-Occupied 1,035.0 88% 1,006.1 87%

Total CRE Office $1,168.8 100% $1,157.5 100%

6/30/2026 3/31/2026

Maturity

Schedule

Dollars shown in millions unless otherwise noted (unaudited)

Fixed-to-Floating

17%

20%

54%

$92

$93

$172

$76

$67

$146

$51

$67

$137

$144

$38

$20

$82

$60

$51

$65

$47

$18

$55

$109

$50

$65

$38

$17

$35

$46

$163

$140

$148

$137

$83

$130

$127

$134

9/30/2026

12/31/2026

3/31/2027

6/30/2027

9/30/2027

12/31/2027

3/31/2028

6/30/2028

32%

26%

21%

Investment CRE Maturity and Repricing

Source: Beacon Financial Corporation 6/30/2026 Earnings Presentation. Excludes construction loans. 18

Note: Totals may not sum due to rounding.

Rates & Maturity Profile Mature or Reprice, Next 24 Months

Rate Type Maturity / Repricing

$2.9B of the $7.3B portfolio will mature or reprice 1 within 24 months

Well-balanced maturity / repricing profile and rate

type profile

Maturities or reprices in the third quarter of 2026

represent $411M of maturities and $80M in repricing,

of which 4% are criticized due to one Office credit.

The allowance for this loan is based upon current

market valuations

Fixed via Swap

Floating

Fixed

2026

2027

2028

2029+

Multifamily Office Industrial Lab Other

Dollars shown in millions unless otherwise noted (unaudited)

Non-Performing Assets and Net Charge-Offs

Asset Quality Highlights

o The $14.3M in net charge-offs was primarily driven by a Boston office loan, a large industrial laundry loan at Eastern Funding, and two rent-controlled multifamily properties. These charge-offs were largely specifically reserved for in prior periods

Source: S&P Global Market Intelligence and Company Filings.

Note: Totals may not sum due to rounding.

Figures shown as of or for the stated fiscal quarter end | Dollars shown in millions (unaudited)

Linked Quarter (LQ)

6/30/2026 3/31/2026 Δ

Non-Performing Assets (NPAs)

CRE 77.1 78.1 (1.0)

C&I 66.4 61.3 5.1

Consumer 9.2 9.2 (0.1)

Total Non-Performing Loans (NPLs) $152.7 $148.6 $4.0

Other Real Estate Owned 0.1 — 0.1

Other Repossessed Assets 2.4 2.6 (0.2)

Total Non-Performing Assets (NPAs) $155.2 $151.2 $3.9

NPLs / Total Loans 0.86% 0.83% 0.03%

NPAs / Total Assets 0.70% 0.68% 0.02%

Net Charge-Offs (NCOs)

CRE 7.4 7.0 0.4

C&I 6.9 6.6 0.3

Consumer (0.0) (0.1) 0.0

Total Net Charge-Offs $14.3 $13.6 $0.7

NCOs / Avg. Loans (annualized) 0.32% 0.30% 0.02%

4 Funding & Liquidity

39.4% 38.9% 40.9% 40.6%

21.8% 21.3% 22.3% 22.0%

20.6% 20.7% 21.1% 21.2%

7.8% 7.4%

8.3% 8.5%

89.7% 88.3%

92.7% 92.2%

Segment Balance

Demand Checking $3,911

NOW 1,570

Savings & Money Market 7,497

Certificates of Deposit 4,065

Customer Deposits $17,042

Payroll Deposits 1,212

Brokered Deposits 231

Total Deposits $18,486

21%

41%

22%

Deposit Portfolio: Built on Quality Relationships

Portfolio Highlights

6/30/2026 Deposit Composition Stable, Low-Cost Funding Base

o Portfolio review: Granular deposit base with declining funding costs and minimal wholesale funding at just 1.3% of the portfolio

o Built on a strong foundation: Customer deposits(1) consistently at 90% of the broader portfolio, in addition to a differentiated payroll

deposit business layering on strong fee income generation

Source: S&P Global Market Intelligence and Company Filings.

Note: Totals may not sum due to rounding.

(1) Customer deposits equivalent to total deposits less brokered deposits and payroll deposits.

$18.5B

Total Deposits

1.97%

Cost of Deposits

NOW

Savings &

Money Market

Certificates of

Deposit

Payroll

Deposits

Brokered Deposits

Demand

Checking

9/30/2025 12/31/2025 3/31/2026 6/30/2026

Figures shown as of or for the stated fiscal quarter end | Dollars shown in millions unless otherwise noted (unaudited)

Savings & Money Market Demand Checking

Certificates of Deposit NOW

Customer Deposits(1)

Short-Term

Investments

$1.0B

Cash & Due From

Banks

$0.2B

Unencumbered

Securities

$0.5B

FHLB

$3.6B

Other Available Lines

$0.4B

Federal Reserve

Discount Window

Capacity

$0.6B

20%

29% 32% 37%

26%

24% 24% 20%

19%

19% 18% 17%

14%

14% 13% 13%

19%

10% 10% 11%

3% 2% 2% 1%

$1.7 $1.7 $1.7 $1.8

Strong Liquidity Profile

Securities Portfolio Highlights

o Portfolio review: Highly liquid, risk-averse securities portfolio

with prudent duration and minimal extension risk. The entire

investment portfolio is classified as available-for-sale (“AFS”)

$1.8B

AFS Securities

3.91%

Book Yield

4.5 years

Portfolio Duration

Sources of Available Liquidity

Agency CMO

U.S. Treasuries

Agency MBS

Municipals / Other

Agency Debentures

Corporate Bonds

Source: S&P Global Market Intelligence, Company Filings and Beacon Financial Corporation 6/30/2026 Earnings Presentation.

Note: Totals may not sum due to rounding.

(1) “Other available lines” represent available federal funds lines and the holding company line of credit.

(2) “Unencumbered securities” represent total investment securities less securities pledged at the FHLB and securities encumbered as municipal collateral.

9/30/2025 12/31/2025 3/31/2026 6/30/2026

6/30/2026 Key Metrics

Figures shown as of or for the stated fiscal quarter end | Dollars shown in billions (unaudited)

$6.4B

available liquid

funds and

borrowing capacity

(1)

(2)

5 Appendix

Credit Ratings and Debt Summary

Debt Maturity Profile

Term Entity Rank Maturity

Date

Next Call

Date Amount Front-End

Coupon

Back-End

Coupon

Current

Coupon

30-Year HoldCo Subordinated 6/26/2033 9/25/2026 $4,941 — 3M SOFR

+ 310bps Floating

30-Year HoldCo Subordinated 3/17/2034 9/17/2026 4,912 — 3M SOFR

+ 279bps Floating

30-Year TruPS Berkshire Hills

Capital Trust I

Junior

Subordinated 8/23/2035 8/24/2026 14,021 — 3M SOFR

+ 185bps Floating

30-Year TruPS SI Capital

Trust II

Junior

Subordinated 12/15/2036 9/15/2026 7,276 — 3M SOFR

+ 170bps Floating

15-Year HoldCo Subordinated 9/15/2029 9/15/2026 72,537 6.00% 3M SOFR

+ 332bps Floating

10-Year HoldCo Subordinated 7/1/2032 6/30/2027 98,591 5.50% 3M SOFR

+ 249bps 5.50%

Total $202,278

Source: S&P Global Market Intelligence, Company Filings, Kroll Bond Rating Agency press release dated 3/20/2026, Moody’s Ratings press release dated 8/11/2026.

*A rating is not a recommendation to buy, sell or hold securities. Ratings may be subject to revision or withdrawal at any time by the assigning rating organization. Each rating organization has

its own methodology for assigning ratings and, accordingly, each rating should be evaluated independently of any other rating.

Note: Spreads shown exclude the 0.26% CME term SOFR spread adjustment, if applicable.

Figures shown as of or for the stated fiscal quarter end | Dollars shown in thousands (unaudited)

Investment grade at the HoldCo and the Bank

Moody’s Ratings* Kroll Bond Rating Agency (KBRA)*

Beacon Financial Corporation (HoldCo)

Senior Unsecured Debt Baa3 BBB

Subordinated Debt Baa3 BBB-Outlook Stable Stable

Beacon Bank & Trust

Senior Unsecured Debt Baa3 BBB+

Subordinated Debt Baa3 BBB

Outlook Stable Stable

Figures shown as of or for the stated fiscal quarter end | Dollars shown in millions (unaudited)

Source: S&P Global Market Intelligence and Company Filings.

(1) Represents a Non-GAAP financial measure. See Non-GAAP Financial Measures included in Appendix for a reconciliation to this measure’s most directly comparable GAAP financial measure.

(2) Excludes owner-occupied commercial real estate per regulatory definition.

As of or for the Fiscal Quarter Ended

9/30/2025 12/31/2025 3/31/2026 6/30/2026

Balance Sheet

Assets $22,867 $23,220 $22,228 $22,251

Gross Loans 18,305 18,030 17,924 17,822

Deposits 18,904 19,515 18,292 18,486

Tangible Common Equity 1,909 1,955 1,968 2,010

Balance Sheet & Capital Ratios

Loans / Deposits 96.8% 92.4% 98.0% 96.4%

TCE / TA 8.56% 8.62% 9.07% 9.25%

CET1 Ratio 10.4% 11.0% 11.2% 11.6%

Tier 1 Ratio 10.6% 11.1% 11.4% 11.7%

Total Risk-Based Capital Ratio 12.5% 13.0% 13.3% 13.6%

CRE / TRBC 355% 333% 327% 317%

Profitability

ROAA (0.11%) 0.94% 0.84% 1.17%

ROATE (1.3%) 11.2% 9.3% 12.8%

NIM 3.62% 3.82% 3.78% 3.81%

Efficiency Ratio 91.6% 63.1% 65.6% 58.1%

Asset Quality

NPAs / Assets 0.45% 0.50% 0.68% 0.70%

Loan Loss Reserves / Gross Loans 1.39% 1.40% 1.36% 1.34%

NCOs / Avg. Loans 0.51% 0.20% 0.30% 0.32%

(1)

(2)

(1)

Consolidated Financial Summary

Reconciliation of Non-GAAP Measures

Tangible Common Equity to Tangible Assets (“TCE / TA”)

Source: S&P Global Market Intelligence and Company Filings.

Figures shown as of or for the stated fiscal quarter end | Dollars shown in thousands (unaudited)

As of the Fiscal Quarter Ended

9/30/2025 12/31/2025 3/31/2026 6/30/2026

BBT BBT BBT BBT

GAAP Stockholders' Equity $2,461,015 $2,496,061 $2,504,781 $2,539,796

( - ) Intangible Assets 551,810 541,175 536,503 530,264

Non-GAAP Tangible

Stockholders' Equity $1,909,205 $1,954,886 $1,968,278 $2,009,532

Total Assets $22,867,458 $23,220,372 $22,227,616 $22,250,964

( - ) Intangible Assets 551,810 541,175 536,503 530,264

Non-GAAP Tangible Assets $22,315,648 $22,679,197 $21,691,113 $21,720,700

Non-GAAP TCE / TA - (A / B) 8.56% 8.62% 9.07% 9.25%

As of or for the Fiscal Quarter Ended

9/30/2025 12/31/2025 3/31/2026 6/30/2026

BBT BBT BBT BBT

GAAP Net Income ($4,221) $53,366 $46,217 $64,426

Reported Pretax Income ($8,401) $75,187 $65,953 $87,017

( + ) Merger & Restructuring Expense 45,863 14,424 13,025 —

( + ) Merger Day 1 CECL Provision on unfunded

commitments 8,415 — — —

Non-GAAP Operating Pretax Income $45,877 $89,611 $78,978 $87,017

( - ) Provision for Income Taxes 12,504 23,209 20,590 22,591

Non-GAAP Operating Earnings After Tax $33,373 $66,402 $58,388 $64,426

Weighted Average Common

Shares (Diluted) 87,832,552 83,878,047 83,903,440 83,939,430

GAAP EPS (Diluted) - (A/C) ($0.05) $0.64 $0.55 $0.77

Non-GAAP EPS (Diluted) - (B/C) $0.38 $0.79 $0.70 $0.77

Reconciliation of Non-GAAP Measures (Continued)

Non-GAAP Earnings Per Share (“EPS”)

Source: S&P Global Market Intelligence and Company Filings.

Figures shown as of or for the stated fiscal quarter end | Dollars shown in thousands except for share and per share data (unaudited)

Return on Average Tangible Equity (“ROATE”)

Source: S&P Global Market Intelligence and Company Filings.

Reconciliation of Non-GAAP Measures (Continued)

Figures shown as of or for the stated fiscal quarter end | Dollars shown in thousands (unaudited)

As of or for the Fiscal Quarter Ended

9/30/2025 12/31/2025 3/31/2026 6/30/2026

BBT BBT BBT BBT

Reported Pretax Income ($8,401) $75,187 $65,953 $87,017

( - ) GAAP Provision for Income Taxes (4,180) 21,821 19,736 22,591

GAAP Net Income ($4,221) $53,366 $46,217 $64,426

Average Equity $1,678,208 $2,453,480 $2,523,986 $2,539,603

( - ) Average Intangible Assets 353,189 546,276 536,900 532,255

Non-GAAP Average Tangible Equity $1,325,019 $1,907,204 $1,987,086 $2,007,348

Non-GAAP ROATE - (A/B) (1.3%) 11.2% 9.3% 12.8%

As of or for the Fiscal Quarter Ended

9/30/2025 12/31/2025 3/31/2026 6/30/2026

BBT BBT BBT BBT

GAAP Non-interest Expense $129,296 $142,366 $140,822 $127,256

( - ) Merger & Restructuring Expense 45,863 14,424 13,025 —

Non-GAAP Non-interest Operating Expense $83,433 $127,942 $127,797 $127,256

( - ) Intangible Amortization 3,587 8,777 8,328 8,328

Non-GAAP Non-interest Expense $79,846 $119,165 $119,469 $118,928

Net-interest Income $128,850 $199,741 $190,774 $193,207

( + ) Non-interest Income 12,345 25,918 23,947 25,988

Operating Revenue $141,195 $225,659 $214,721 $219,195

GAAP Efficiency Ratio - (A/C) 91.6% 63.1% 65.6% 58.1%

Non-GAAP Efficiency Ratio - (B/C) 56.6% 52.8% 55.6% 54.3%

Source: S&P Global Market Intelligence and Company Filings. 29

Reconciliation of Non-GAAP Measures (Continued)

Efficiency Ratio

Figures shown as of or for the stated fiscal quarter end | Dollars shown in thousands (unaudited)

Double Leverage and Historical Interest Coverage

Figures shown as of or for the stated fiscal quarter end | Dollars shown in thousands (unaudited)

As of or for the Fiscal Quarter Ended

12/31/2025 3/31/2026 6/30/2026

Bank-Level Equity 2,508,972 2,510,964 2,539,656

Consolidated Equity 2,496,061 2,504,781 2,539,796

Double Leverage 101% 100% 100%

Reported Pretax Income 75,187 65,953 87,017

(+) Borrow ings Interest (inc. TruPS & Existing Sub Debt) 10,403 8,554 11,468

Earnings (Before Corporate Debt Interest) $85,590 $74,507 $98,485

(+) Interest on Deposits 102,439 93,056 88,959

Earnings (Before Corporate Debt & Deposit Interest) $188,029 $167,563 $187,444

(+) Borrow ings Interest (inc. TruPS & Existing Sub Debt) 10,403 8,554 11,468

Interest Expense, Excluding Interest on Deposits $10,403 $8,554 $11,468

(+) Interest on Deposits 102,439 93,056 88,959

Interest Expense, Including Interest on Deposits $112,842 $101,610 $100,427

Interest Coverage (Ex. Deposit Interest Expense) - (A / C) 8.2x 8.7x 8.6x

Interest Coverage (Inc. Deposit Interest Expense) - (B / D) 1.7x 1.6x 1.9x

Source: S&P Global Market Intelligence and Company Filings.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

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Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

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Namespace Prefix:

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