[Form 3] Berkshire Hills Bancorp, Inc. Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

Beacon Financial Corp (BBT) Form 3: John M. Pereira reported beneficial ownership of 19,431 shares of Common Stock on an initial Form 3 covering an event dated 09/01/2025. The filing indicates Mr. Pereira is a director of the issuer and the Form was signed on his behalf by Marissa S. Martin, P.O.A., on 09/05/2025. The filing was completed by one reporting person and lists the position and direct ownership without additional derivatives or indirect holdings.

Positive

• Disclosure of direct ownership of 19,431 common shares provides transparency about insider holdings
• Form 3 filed by a single reporting person, making the ownership record clear and unambiguous
• Signature by P.O.A. is present, documenting authorized filing on behalf of the reporting person

Negative

• None.

Insights

Financial Analyst

TL;DR: Director John M. Pereira discloses direct ownership of 19,431 common shares; no derivatives or indirect holdings reported.

The Form 3 is a routine initial Section 16 filing that documents insider ownership. The disclosed stake of 19,431 shares is presented as direct ownership and no derivative instruments are listed, which simplifies the ownership profile. There are no revenue, earnings, or transaction details in this filing to affect valuation models.

Corporate Governance Expert

TL;DR: Initial ownership disclosure by a director with a power-of-attorney signature; no complex governance issues visible.

The filing identifies Mr. Pereira as a director and shows a straightforward beneficial ownership position. The signature executed by a P.O.A. is noted and common in practice for insiders who use agents to file. There are no indications of pledges, options, or indirect control reported here.

SEC Form 3

FORM 3

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

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

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:			3235-0104
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1. Name and Address of Reporting Person^*

Pereira John M.

(Last) (First) (Middle)

131 CLARENDON STREET

(Street)

BOSTON MA 02116

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
09/01/2025

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

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

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

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

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

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

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	19,431	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	John M. Pereira, by Marissa S. Martin, P.O.A.	09/05/2025
	** 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 5 (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.

FAQ

What did the Form 3 filed for Beacon Financial Corp (BBT) disclose?

The filing discloses that John M. Pereira directly owns 19,431 shares of Common Stock and lists him as a director.

What is the date of the event reported on the Form 3 for BBT?

The Date of Event Requiring Statement is 09/01/2025 as shown on the Form 3.

When was the Form 3 for John M. Pereira signed?

The Form shows it was signed on behalf of John M. Pereira by Marissa S. Martin, P.O.A., on 09/05/2025.

Does the Form 3 report any derivative securities or indirect ownership for BBT?

No. The filing lists only non-derivative Common Stock holdings of 19,431 shares and no derivatives or indirect holdings.

Was the Form 3 filed by more than one reporting person?

No. The Form indicates it was filed by one reporting person.