Beacon Financial director receives stock grant

Fitzgerald Margaret Boles reported acquisition or exercise transactions in this Form 4 filing.

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Form Type

Rhea-AI Filing Summary

Fitzgerald Margaret Boles reported acquisition or exercise transactions in this Form 4 filing.

Beacon Financial Corp director Margaret Boles Fitzgerald received a grant of restricted common stock as equity compensation. She was awarded 2,509 shares of common stock at $0.00 per share under the 2025 Beacon Financial Corporation Stock Option and Incentive Plan, and these shares vest one year from the grant date. Following the grant, she holds 18,580 common shares directly, and a separate line shows 273 common shares held indirectly through an IRA.

Insider Trade Summary

Grant/Award: 2,509 shares

Grant/Award 2 txns

Insider Fitzgerald Margaret Boles

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,509	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 18,580 shares (Direct); Common Stock — 273 shares (Indirect, By IRA)

Footnotes (1)

F1. Restricted stock shares granted pursuant to the 2025 Beacon Financial Corporation Stock Option and Incentive Plan. The shares vest one year from date of grant.

Key Figures

Restricted stock grant: 2,509 shares Grant price: $0.00 per share Direct holdings after grant: 18,580 shares +2 more

5 metrics

Restricted stock grant 2,509 shares Common Stock award on June 16, 2026

Grant price $0.00 per share Restricted stock grant compensation

Direct holdings after grant 18,580 shares Common Stock directly owned after transaction

Indirect IRA holdings 273 shares Common Stock held indirectly by IRA

Vesting period one year from grant Restricted stock vesting under 2025 plan

Key Terms

Restricted stock, Stock Option and Incentive Plan, IRA, Grant, award, or other acquisition

4 terms

Restricted stock financial

"Restricted stock shares 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."

IRA financial

"total_shares_following_transaction 273.0000, direct_or_indirect I, nature_of_ownership By IRA"

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

Grant, award, or other acquisition financial

"transaction_code_description Grant, award, or other acquisition"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Beacon Financial Corp (BBT) report for Margaret Boles Fitzgerald?

Beacon Financial Corp reported that director Margaret Boles Fitzgerald received a grant of 2,509 shares of common stock as restricted stock. The award was made at $0.00 per share as equity compensation under the company’s 2025 Stock Option and Incentive Plan.

How many Beacon Financial Corp (BBT) shares does Margaret Boles Fitzgerald hold after this Form 4?

After the restricted stock grant, Margaret Boles Fitzgerald holds 18,580 shares of Beacon Financial Corp common stock directly. An additional 273 common shares are reported as held indirectly through an IRA, giving a fuller picture of her disclosed ownership position.

What are the vesting terms of the restricted stock granted to the Beacon Financial Corp (BBT) director?

The restricted stock grant to the Beacon Financial Corp director vests one year from the date of grant. This means the 2,509 awarded shares become fully owned after a one-year service or time period, consistent with typical equity compensation structures.

Was the Beacon Financial Corp (BBT) director’s stock grant an open-market purchase?

No, the transaction was a grant of restricted stock, not an open-market purchase. The 2,509 shares were awarded at $0.00 per share as compensation under the 2025 Stock Option and Incentive Plan rather than bought on the public market.

How is the IRA holding reported in the Beacon Financial Corp (BBT) Form 4?

The Form 4 lists 273 Beacon Financial Corp common shares held indirectly, noted as “By IRA.” This entry is characterized as a holding, showing indirect ownership through an IRA account rather than a new buy or sell transaction on that date.

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Accepted by SEC EDGAR 06/24/2026 - 04:46 PM EDT

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^*

Fitzgerald Margaret Boles

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/16/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	06/16/2026		A		2,509⁽¹⁾	A	$0	18,580	D
Common Stock								273	I	By IRA

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Restricted stock shares granted pursuant to the 2025 Beacon Financial Corporation Stock Option and Incentive Plan. The shares vest one year from date of grant.

Remarks:

	Margaret Boles Fitzgerald, By Marissa S. Martin, P.O.A.	06/24/2026
	** 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)

Source: View Original Filing on SEC EDGAR