[Form 4] Beacon Financial Corp Insider Trading Activity

Rhea-AI Filing Summary

Michael W. McCurdy, Chief Banking Officer and Director of Beacon Financial Corporation (ticker shown as BBT), received a grant of 7,879 restricted shares on 09/19/2025. The shares were granted under the Beacon Financial Corporation 2025 Stock Option and Incentive Plan and were issued at a price of $0. Following the reported transaction, Mr. McCurdy beneficially owned 42,888 shares. The restricted shares vest in two equal annual installments beginning September 1, 2026. The Form 4 was signed on behalf of Mr. McCurdy by Marissa S. Martin, P.O.A., on 09/23/2025.

Insights

Financial Analyst

TL;DR: A routine restricted-stock grant aligns an executive with shareholder interests but is not a material corporate event.

The 7,879 restricted shares granted to the Chief Banking Officer at $0 reflect typical compensation via equity under the 2025 incentive plan. Vesting over two annual installments beginning 09/01/2026 ties compensation to continued service. The grant increases reported beneficial ownership to 42,888 shares, which signals alignment but does not, by itself, disclose material financial impact or transaction proceeds.

Corporate Governance Expert

TL;DR: The filing documents a standard equity compensation grant with service-based vesting; disclosure appears complete for a Form 4.

The Form 4 reports a restricted stock award under the company’s 2025 plan and specifies vesting schedule and count. The use of a power of attorney for signature is documented. No additional governance actions, accelerated vesting, or derivative transactions are reported.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider McCurdy Michael W.

Role Chief Banking Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	7,879	$0.00	--

Holdings After Transaction: Common Stock — 42,888 shares (Direct)

Footnotes (1)

1. Restricted stock shares granted pursuant to the Beacon Financial Corporation 2025 Stock Option and Incentive Plan. The shares vest in two equal annual installments commencing on September 1, 2026. Includes shares of restricted stock granted pursuant to the Beacon Financial Corporation 2025 Stock Option and Incentive Plan.

Form 4 Insider Transactions: What Each Field Means →

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^*

McCurdy Michael W.

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
09/19/2025

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	09/19/2025		A		7,879(1)	A	$0	42,888(2)	D

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:

1. Restricted stock shares granted pursuant to the Beacon Financial Corporation 2025 Stock Option and Incentive Plan. The shares vest in two equal annual installments commencing on September 1, 2026.

2. Includes shares of restricted stock granted pursuant to the Beacon Financial Corporation 2025 Stock Option and Incentive Plan.

Remarks:

	Michael W. McCurdy, by Marissa S. Martin, P.O.A.	09/23/2025
	** 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.