[Form 4] Beacon Financial Corp Insider Trading Activity

Rhea-AI Filing Summary

Beacon Financial Corp director Willard I. Hill Jr. reported a sale of 1,000 shares of the issuer's common stock on 09/12/2025 at a price of $25.96 per share. After the sale, Mr. Hill beneficially owns 12,326 shares directly and 307 shares indirectly through an IRA. The Form 4 was signed by a power of attorney on behalf of Mr. Hill on 09/16/2025. The filing identifies the reporting person as a director and indicates the transaction was a straightforward disposition; no derivative transactions or additional securities were reported.

Positive

• Transparency: The director promptly reported the sale on Form 4, providing clear transaction date and price.
• No derivative activity: Table II is empty, indicating no options or other derivatives were exercised or disposed.

Negative

• Insider selling: A director disposed of 1,000 shares, which reduces his direct holdings.
• Power of attorney signature: Filing executed by POA rather than the reporting person, which can delay investor interpretation though it is routine.

Insights

Corporate Governance Expert

TL;DR: A modest director sale was reported; not indicative of a governance shift.

The sale of 1,000 shares by a director represents a routine insider disposition. The remaining direct holding of 12,326 shares and the 307-share IRA position continue to show meaningful, though not controlling, ownership. There is no accompanying amendment, grant, option exercise, or derivative activity disclosed, and the Form 4 was executed by a power of attorney, which is common for administrative filings. From a governance perspective, this filing alone does not signal a change in board composition, control, or a material shift in alignment between management and shareholders.

Securities Analyst

TL;DR: Insider sale is small relative to typical institutional positions; likely routine liquidity.

The transaction details—sale of 1,000 shares at $25.96—are explicit and show the director reduced a portion of his direct stake to a post-sale level of 12,326 shares. There are no derivative holdings reported and no disclosure of larger, contemporaneous transactions. Absent additional context on block trades or scheduled selling plans, this Form 4 appears to document a single, non-material disposition that by itself is unlikely to have a material impact on the companys share supply or market valuation.

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^*

Hill Willard I JR

(Last) (First) (Middle)

131 CLARENDON STREET

(Street)

BOSTON MA 02116

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
09/12/2025

4. 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 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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/12/2025		S		1,000	D	$25.96	12,326	D
Common Stock								307	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	Willard I. Hill, Jr., by Marissa S. Martin, POA	09/16/2025
	** 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 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.

FAQ

What did Beacon Financial (BHLB) insider Willard I. Hill Jr. report on Form 4?

The Form 4 reports a sale of 1,000 shares of common stock on 09/12/2025 at $25.96 per share.

How many shares does Willard I. Hill Jr. own after the reported transaction?

After the sale, Mr. Hill beneficially owns 12,326 shares directly and 307 shares indirectly through an IRA.

Was any option or derivative transaction disclosed in this Form 4 for BHLB?

No. Table II for derivative securities is blank, indicating no derivative transactions were reported.

When was the Form 4 signed and by whom?

The Form 4 was signed on 09/16/2025 by Marissa S. Martin as power of attorney for Willard I. Hill Jr.

Does this filing indicate a change in Mr. Hills role at Beacon Financial?

No role change is disclosed; the filing identifies Mr. Hill as a director and does not indicate any change in relationship to the issuer.