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

Rhea-AI Filing Summary

Mark J. Meiklejohn filed an initial Form 3 disclosing beneficial ownership of 42,421 shares of common stock of Beacon Financial Corp (BBT). The filing lists Meiklejohn's address in Boston and identifies his relationship to the issuer as a director and the Chief Credit Officer. The reportable event date is 09/01/2025, and the Form 3 was signed by a power of attorney on 09/05/2025. No derivative securities or additional remarks are reported.

Positive

• Timely initial disclosure of beneficial ownership for an officer/director supports regulatory transparency
• Direct ownership amount disclosed: 42,421 shares of common stock in Beacon Financial Corp (BBT)

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Officer disclosure of direct equity holding promotes transparency but appears routine and non-material.

The report is a standard initial Section 16 filing recording an officer/director's direct ownership of common stock. It confirms compliance with reporting rules by identifying position, address, and the number of shares owned. There are no derivatives, amendments, or explanatory remarks that would suggest complex ownership structures or related-party transactions. From a governance perspective, timely Form 3 reporting supports insider transparency but alone does not indicate a change in control or significant corporate action.

Securities Analyst

TL;DR: Initial disclosure of 42,421 shares is informational; no trading activity or material changes are reported.

As an initial ownership statement, the filing documents the officer's stake but provides no transaction details, purchase price, or links to recent trades. There are no derivative instruments disclosed, so potential dilution or option-related leverage is not present in this filing. For investment analysis, this filing is a compliance disclosure rather than a signal of material corporate developments.

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^*

Meiklejohn Mark J.

(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 Credit 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	42,421	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:

	Mark J. Meiklejohn, 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 by Mark J. Meiklejohn disclose for Beacon Financial Corp (BBT)?

The Form 3 discloses direct ownership of 42,421 common shares and identifies Meiklejohn as a director and Chief Credit Officer.

When is the event date reported on the Form 3 for BBT?

The event date shown on the Form 3 is 09/01/2025, and the filing was signed on 09/05/2025.

Does the Form 3 report any derivative securities or options for Meiklejohn?

No. The filing lists no derivative securities, options, or warrants—only common stock (42,421 shares).

What relationship to the issuer is listed for the reporting person on the Form 3?

Mark J. Meiklejohn is listed as a Director and as an Officer with the title Chief Credit Officer.

Was the Form 3 filed jointly or by a single reporting person?

The filing indicates it was filed by one reporting person.