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

Rhea-AI Filing Summary

Michael W. McCurdy filed an initial Form 3 reporting beneficial ownership of 35,009 shares of Beacon Financial Corp (ticker shown as BBT). The event requiring the statement is dated 09/01/2025 and the Form is signed on behalf of Mr. McCurdy by Marissa S. Martin, P.O.A., dated 09/05/2025. The filer is identified as a Director and Officer (Chief Banking Officer) and the shares are held in direct ownership.

Positive

• Initial disclosure completed for insider ownership, satisfying Section 16 reporting requirements
• Direct ownership of 35,009 shares is clearly reported
• Insider roles identified: Director and Chief Banking Officer, providing transparency on position

Negative

• None.

Insights

Securities Compliance Analyst

TL;DR: Routine Section 16 initial filing reporting direct ownership; no derivatives or amendments disclosed.

This is a standard initial Form 3 under Section 16 reporting that Michael W. McCurdy directly owns 35,009 shares of Beacon Financial Corp (ticker shown as BBT). The filing indicates his roles as Director and Chief Banking Officer and was executed via power of attorney on 09/05/2025 for an event dated 09/01/2025. There are no derivative securities reported and no amendments or additional explanatory remarks included.

Corporate Governance Expert

TL;DR: Disclosure confirms insider status and direct shareholding; nothing materially novel or market-moving.

From a governance perspective, the Form 3 establishes Mr. McCurdy as an insider (Director and Officer) with a direct equity stake of 35,009 shares. The document contains no indications of indirect holdings, derivative positions, or special arrangements. The filing appears complete for an initial beneficial ownership disclosure and contains the required signature via power of attorney.

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

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1. Name and Address of Reporting Person^*

McCurdy Michael W.

(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)

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

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	35,009	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:

	Michael W. McCurdy, 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 Michael W. McCurdy report on the Form 3 for Beacon Financial Corp (BBT)?

He reported direct beneficial ownership of 35,009 shares and identified himself as a Director and Chief Banking Officer.

When is the event date and signature date on the Form 3?

The event requiring the statement is dated 09/01/2025 and the Form is signed by power of attorney on 09/05/2025.

Are any derivative securities or indirect holdings disclosed?

No. The filing shows no derivative securities in Table II and lists the 35,009 shares as direct (D) ownership.

Who signed the Form 3 for the reporting person?

The Form is signed on behalf of Michael W. McCurdy by Marissa S. Martin, P.O.A.

Does the filing indicate an amendment or multiple reporting persons?

No. The form indicates it was filed by one reporting person and there is no amendment date provided.