Beacon Financial officer uses 1,314 shares for taxes

Beacon Financial Corp’s Chief Banking Officer settled equity award obligations using 1,314 shares and now directly holds 34,575 shares, including restricted stock.

Rhea-AI Filing Summary

Beacon Financial Corp (BBT) reported that Chief Banking Officer Michael W. McCurdy had 1,314 shares of common stock withheld or delivered on September 1, 2026 to pay the exercise price or tax liability related to equity awards, at a reported value of $30.39 per share. Following this disposition, he holds 34,575 shares directly, including restricted stock granted under the 2025 Beacon Financial Corporation Stock Option and Incentive Plan.

Insider Trade Summary

Exercise Price or Tax Liability: 1,314 shares

Exercise Price or Tax Liability 1 txn

Insider McCurdy Michael W.

Role Chief Banking Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock F1	1,314	$30.39	$40K

Holdings After Transaction: Common Stock — 34,575 shares (Direct)

Footnotes (1)

1. F1. Includes shares of restricted stock granted pursuant to the 2025 Beacon Financial Corporation Stock Option and Incentive Plan.

Key Figures

Shares used for exercise price or tax liability: 1,314 shares Reported value per share: $30.39 per share Shares owned after transaction: 34,575 shares +1 more

4 metrics

Shares used for exercise price or tax liability 1,314 shares Common Stock withheld or delivered on September 1, 2026

Reported value per share $30.39 per share Value applied to the 1,314-share F-code transaction

Shares owned after transaction 34,575 shares Direct holdings of Chief Banking Officer after September 1, 2026

Exercise-price-or-tax-liability shares 1,314 shares Total shares reported under code F in this Form 4

Key Terms

restricted stock, Stock Option and Incentive Plan, exercise price or tax liability, withholding securities

4 terms

restricted stock financial

"Includes shares of restricted stock granted pursuant to the 2025 Beacon Financial Corporation Stock Option and Incentive Plan"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

Stock Option and Incentive Plan financial

"granted pursuant to the 2025 Beacon Financial Corporation Stock Option and Incentive Plan"

exercise price or tax liability financial

"Payment of exercise price or tax liability by delivering or withholding securities"

withholding securities financial

"Payment of exercise price or tax liability by delivering or withholding securities"

FAQ

What insider transaction did BBT’s Chief Banking Officer report on this Form 4?

Michael W. McCurdy reported that 1,314 shares of Beacon Financial Corp common stock were withheld or delivered on September 1, 2026 to pay the exercise price or tax liability related to equity awards, at a reported value of $30.39 per share.

How many BBT shares does the Chief Banking Officer hold after this transaction?

After the September 1, 2026 transaction, Michael W. McCurdy directly holds 34,575 shares of Beacon Financial Corp common stock, which includes restricted stock granted under the 2025 Beacon Financial Corporation Stock Option and Incentive Plan.

Was the BBT insider transaction a market sale or purchase?

No market sale or purchase was reported. The Form 4 shows an F-code transaction, meaning 1,314 shares were withheld or delivered to satisfy the exercise price or tax liability associated with equity awards, rather than an open-market trade.

Did BBT indicate use of a Rule 10b5-1 trading plan for this Form 4 transaction?

The filing indicates that no Rule 10b5-1 plan was affirmed for this transaction; the document-level 10b5-1 checkbox is shown as not selected.

What equity plan is referenced in the BBT insider’s holdings footnote?

The footnote states that the reported holdings include restricted stock granted under the 2025 Beacon Financial Corporation Stock Option and Incentive Plan, indicating that part of the 34,575 shares are subject to plan-based restrictions.

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Available on EDGAR 09/02/2026 - 04:42 PM Accepted by SEC EDGAR 09/02/2026 - 04:41 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McCurdy Michael W.

(Last) (First) (Middle)

131 CLARENDON STREET

(Street)

BOSTON MASSACHUSETTS 02116

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Beacon Financial Corp [ BBT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Banking Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/01/2026		F		1,314	D	$30.39	34,575(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Includes shares of restricted stock granted pursuant to the 2025 Beacon Financial Corporation Stock Option and Incentive Plan.

Remarks:

	Michael W. McCurdy, by Marissa S. Martin, P.O.A.	09/02/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)