Director Margaret Fitzgerald Files Form 3 Reporting 16,344 BBT Shares

Margaret Boles Fitzgerald filed an initial Form 3 reporting beneficial ownership of Beacon Financial Corp (BBT) securities after a 09/01/2025 reportable event.

Rhea-AI Filing Summary

Margaret Boles Fitzgerald filed an initial Form 3 reporting beneficial ownership of Beacon Financial Corp (BBT) securities after a 09/01/2025 reportable event. The filing shows 16,071 shares held directly and an additional 273 shares held indirectly through an IRA. The form indicates Ms. Fitzgerald is a director and the Form 3 was signed via power of attorney on 09/05/2025.

Positive

• Form 3 filed promptly: Report filed within days of the 09/01/2025 event and signed 09/05/2025
• Clear ownership breakdown: 16,071 shares held directly and 273 shares held indirectly via IRA
• Reporter identified as director: Relationship to issuer is disclosed as Director

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Initial insider filing documents small direct ownership and indirect IRA holdings by a company director.

The Form 3 is routine for a director establishing a Section 16 reporting record. Reported holdings total 16,344 common shares split between direct ownership and an IRA, which is modest and unlikely to change control or trigger major market moves. The filing is properly executed via power of attorney and dated within days of the reportable event, satisfying basic procedural expectations.

Securities Compliance Analyst

TL;DR: Disclosure meets Section 16 initial reporting requirements and contains clear ownership breakdown.

The document discloses the title of the security, amounts held directly and indirectly, and the reporting person's relationship to the issuer as a director. No derivative positions or amendments are reported. From a compliance perspective, the timely submission (filed within days) and inclusion of signature (via P.O.A.) align with standard Form 3 practices.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Fitzgerald Margaret Boles

Role Director

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 273 shares (Indirect, By IRA); Common Stock — 16,071 shares (Direct)

FAQ

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

What did the Form 3 filed by Margaret Boles Fitzgerald report for Beacon Financial Corp (BBT)?

The Form 3 reports 16,071 shares directly owned and 273 shares indirectly held in an IRA in Beacon Financial Corp (BBT).

When was the reportable event and when was the Form 3 signed?

The event date listed is 09/01/2025 and the Form 3 was signed by power of attorney on 09/05/2025.

What is Margaret Boles Fitzgerald's relationship to the issuer?

The filing discloses that Ms. Fitzgerald is a Director of the issuer.

Were any derivative securities or amendments reported on the Form 3?

No derivative securities or amendments are disclosed; Table II is blank and no amendment date is provided.

How many total shares does the filing indicate Ms. Fitzgerald beneficially owns?

The filing indicates a total of 16,344 common shares (16,071 direct + 273 indirect).

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 09/05/2025 - 02:38 PM Learn about SEC filing dates

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
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Fitzgerald Margaret Boles

(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	273	I	By IRA
Common Stock	16,071	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:

	Margaret Boles Fitzgerald, 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.