{"id":1012258,"date":"2026-10-21T16:37:47","date_gmt":"2026-10-21T20:37:47","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/beacon-financial-corporation-announces-third-quarter-results\/"},"modified":"2026-10-21T16:37:47","modified_gmt":"2026-10-21T20:37:47","slug":"beacon-financial-corporation-announces-third-quarter-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/beacon-financial-corporation-announces-third-quarter-results\/","title":{"rendered":"Beacon Financial Corporation Announces Third Quarter Results"},"content":{"rendered":"
\n

\n Net Income of\u00a0<\/strong>
\n $61.2 million<\/strong>
\n , EPS of <\/strong>
\n $0.73<\/strong>\n <\/p>\n

\n Operating Earnings of <\/strong>
\n $64.7 million<\/strong>
\n , Operating EPS of <\/strong>
\n $0.77<\/strong>\n <\/p>\n

\n Quarterly Dividend of $0.3225<\/strong>\n <\/p>\n

\n Board Increases Stock Buyback Authorization to $125 million<\/strong>\n <\/p>\n

BOSTON, Oct. 21, 2026 (GLOBE NEWSWIRE) — Beacon Financial Corporation (NYSE: BBT) (the \u201cCompany\u201d) today announced net income of $61.2 million, or $0.73 per basic and diluted share, for the third quarter of 2026, compared to $64.4 million, or $0.77 per basic and diluted share, for the second quarter of 2026, and a net loss of $(4.2) million, or $(0.05) per basic share, for the third quarter of 2025. The Company reported operating earnings after tax (non-GAAP) of $64.7 million, or $0.77 per basic and diluted share, for the third quarter of 2026, compared to operating earnings after tax (non-GAAP) of $64.4 million, or $0.77 per basic and diluted share, for the second quarter of 2026, and $34.0 million, or $0.39 per basic and diluted share, for the third quarter of 2025.<\/p>\n

\u201cOur quarterly results reflect improvement in net interest income and net interest margin. My early conversations and feedback from our clients and frontline bankers indicate positive momentum to come. At the same time, continued macroeconomic uncertainty and the higher-rate environment contributed to greater caution amongst borrowers and weighed on our overall loan growth,\u201d said Sean Gray, the Company\u2019s Chief Executive Officer.<\/p>\n

\u201cSince stepping into the CEO role shortly before the end of the quarter, I have focused on continuing the Company\u2019s regular practice of engaging with shareholders, employees and clients, while aligning our senior leaders around the highest-impact opportunities to improve our financial and operating performance. Our immediate priorities are clear: greater expense discipline, stronger core funding, disciplined loan growth, continued credit vigilance, more diversified fee income and returning capital to shareholders. We\u2019re committed to identifying decisive management-controlled actions that accelerate near-term performance and strengthen long-term franchise value.\u201d<\/p>\n

\u201cThe board has decided to increase the stock repurchase authorization to $125 million to reflect its confidence in our franchise, our capital position and the significant value we see in our shares. Going forward, investors should expect a more structured approach to capital allocation, one that supports organic growth, maintains balance sheet strength, and delivers attractive returns to shareholders.\u201d<\/p>\n

\n Presentation of Results – The Merger<\/u>\n <\/p>\n

The Company\u2019s merger of equals (the \u201cMerger\u201d) with Brookline Bancorp, Inc. (\u201cBrookline\u201d), completed on September 1, 2025, was accounted for as a reverse acquisition using the acquisition method of accounting, with the Company treated as the legal acquirer and Brookline treated as the accounting acquirer for financial reporting purposes. The Company\u2019s financial results for the periods ended September 30, 2025 reflect one month of combined Company activity and eight months of legacy Brookline standalone results. As a result, the Company\u2019s financial results for the third quarter of 2026 may not be directly comparable to prior reported periods.<\/p>\n

\n BALANCE SHEET<\/strong>\n <\/p>\n

Total assets decreased $375.4 million during the quarter to $21.9 billion at September\u00a030, 2026. Total assets decreased $991.9 million from September\u00a030, 2025, primarily driven by a decrease in cash and cash equivalents relating to a decline in payroll deposits due to the timing of payroll activity relative to quarter-end.<\/p>\n

Total cash and cash equivalents at September\u00a030, 2026 decreased $444.8 million to $771.4 million from June\u00a030, 2026, and decreased $449.3 million from September\u00a030, 2025.<\/p>\n

Total loans and leases decreased $169.8 million to $17.7 billion at September\u00a030, 2026 from June\u00a030, 2026, and decreased $653.0 million from September\u00a030, 2025, primarily due to a decline in commercial real estate, consumer and equipment financing loans, partially offset by an increase in commercial loans. Total investor commercial real estate as a percentage of total risk based capital declined to 295 percent as of September\u00a030, 2026, achieving the goal we outlined in our initial merger announcement.<\/p>\n

Total investment securities at September\u00a030, 2026 increased $195.2 million to $2.0 billion from June\u00a030, 2026, primarily driven by a $335.5 million purchase during the quarter and increased $217.1 million from September\u00a030, 2025.<\/p>\n

Total deposits as of September\u00a030, 2026 decreased $303.3 million from June\u00a030, 2026, primarily driven by a decrease of $326.7 million in payroll deposits and a decrease of $120.0 million in customer deposits, partially offset by an increase of $143.4 million in brokered deposits. Total deposits decreased $721.5 million from September\u00a030, 2025, consisting of a $531.2 million decrease in brokered deposits, a $159.0 million decrease in payroll deposits, and a small decline of $31.3 million in customer deposits. Average balance total deposits increased 1 percent linked quarter.<\/p>\n

Total borrowed funds at September\u00a030, 2026 decreased $113.1 million from June\u00a030, 2026, and decreased $305.0 million from September\u00a030, 2025.<\/p>\n

The ratio of stockholders\u2019 equity to total assets was 11.52 percent at September\u00a030, 2026, compared to 11.41 percent at June\u00a030, 2026, and 10.76 percent at September\u00a030, 2025. The ratio of tangible stockholders\u2019 equity to tangible assets (non-GAAP) was 9.35 percent at September\u00a030, 2026, compared to 9.25 percent at June\u00a030, 2026, and 8.56 percent at September\u00a030, 2025. Tangible book value per common share (non-GAAP) decreased $0.17 from $23.98 at June\u00a030, 2026 to $23.81 at September\u00a030, 2026, and increased $1.06 from $22.75 at September\u00a030, 2025.<\/p>\n

\n NET INTEREST INCOME<\/strong>\n <\/p>\n

Net interest income increased $3.9 million to $197.2 million during the third quarter of 2026 from $193.2 million for the quarter ended June\u00a030, 2026. The net interest margin increased 4 basis points to 3.85 percent for the three months ended September\u00a030, 2026 from 3.81 percent for the three months ended June\u00a030, 2026.<\/p>\n

\n NON-INTEREST INCOME <\/strong>\n <\/p>\n

Total non-interest income for the quarter ended September\u00a030, 2026 remained consistent with the quarter ended June\u00a030, 2026.<\/p>\n

\n PROVISION FOR CREDIT LOSSES<\/strong>\n <\/p>\n

The Company recorded a provision for credit losses of $8.9 million for the quarter ended September\u00a030, 2026, compared to $5.0 million for the quarter ended June\u00a030, 2026. The increase in the provision quarter over quarter was driven by the deterioration of three larger CRE loans that required specific reserves, offset by a decline in criticized and classified loans from $813 million to $763 million during the quarter.<\/p>\n

Total net charge-offs for the third quarter of 2026 were $13.5 million compared to $14.3 million in the second quarter of 2026. The $13.5 million in net charge-offs were primarily driven by the restructuring of a large ABL transaction as well as smaller dollar charge-offs in the commercial portfolios. The ratio of net loan and lease charge-offs to average loans and leases on an annualized basis decreased to 30 basis points for the third quarter of 2026 from 32 basis points for the second quarter of 2026.<\/p>\n

The allowance for loan and lease losses represented 1.32 percent of total loans and leases at September\u00a030, 2026, compared to 1.34 percent at June\u00a030, 2026, and 1.39 percent at September\u00a030, 2025.<\/p>\n

\n ASSET QUALITY<\/strong>\n <\/p>\n

The ratio of nonperforming loans and leases to total loans and leases was 0.91 percent at September\u00a030, 2026, an increase of 0.05 percent from 0.86 percent at June\u00a030, 2026. Total nonaccrual loans and leases increased $7.9\u00a0million to $160.6 million at September\u00a030, 2026, from $152.7 million at June\u00a030, 2026. The ratio of nonperforming assets to total assets was 0.75 percent at September\u00a030, 2026, an increase from 0.70 percent at June\u00a030, 2026. Total nonperforming assets increased $7.9\u00a0million to $163.1 million at September\u00a030, 2026 from $155.2 million at June\u00a030, 2026. The increase in nonperforming assets was largely driven by two of the three larger CRE deals referenced above.<\/p>\n

\n NON-INTEREST EXPENSE<\/strong>\n <\/p>\n

Non-interest expense for the quarter ended September\u00a030, 2026 increased $5.4\u00a0million to $132.7 million from $127.3 million for the quarter ended June\u00a030, 2026, of which $5.1 million was related to restructuring expenses in the third quarter of 2026 compared to none in the second quarter of 2026. The remaining $0.3 million increase was primarily driven by elevated commercial loan servicing fees of $1.0 million, increases in marketing expense of $0.6 million and occupancy expense of $0.6 million, partially offset by a decrease of $1.0 million in technology expense and a decrease of $0.8 million in compensation and employee benefits expense.<\/p>\n

\n PROVISION FOR INCOME TAXES<\/strong>\n <\/p>\n

The effective tax rate was 25.0 percent and 26.7 percent for the three and nine months ended September\u00a030, 2026 compared to 26.0 percent for the three months ended June\u00a030, 2026 and 49.8 percent and 20.9 percent for the three and nine months ended September\u00a030, 2025.<\/p>\n

\n RETURNS ON AVERAGE ASSETS AND AVERAGE EQUITY<\/strong>\n <\/p>\n

The annualized return on average assets decreased to 1.11 percent during the third quarter of 2026 from 1.17 percent for the second quarter of 2026.<\/p>\n

The annualized return on average stockholders’ equity decreased to 9.55 percent during the third quarter of 2026 from 10.15 percent for the second quarter of 2026. The annualized return on average tangible stockholders\u2019 equity (non-GAAP) decreased to 12.02 percent for the third quarter of 2026 from 12.84 percent for the second quarter of 2026.<\/p>\n

\n DIVIDEND DECLARED <\/strong>\n <\/p>\n

The Company\u2019s Board of Directors approved a dividend of $0.3225 per share for the quarter ended September\u00a030, 2026. The dividend will be paid on November 20, 2026 to stockholders of record on November 6, 2026.<\/p>\n

\n STOCK REPURCHASE<\/strong>\n <\/p>\n

The Company\u2019s Board of Directors approved an increase to its existing stock repurchase program bringing the total authorization up to $125 million. The stock repurchase program, which is subject to regulatory approval, authorizes the Company to repurchase up to $125 million of shares over 12 months following the authorization by regulatory authorities.<\/p>\n

\n CONFERENCE CALL<\/strong>\n <\/p>\n

The Company will conduct a conference call\/webcast at 1:30 PM Eastern Time on Thursday, October 22, 2026 to discuss the results for the quarter, business highlights and outlook. A copy of the Earnings Presentation is available on the Company\u2019s website at www.beaconfinancialcorporation.com. To listen to the call and view the Company\u2019s Earnings Presentation, please join the call via https:\/\/events.q4inc.com\/attendee\/438851030. To listen to the call without access to the slides, interested parties may dial (833) 461-5787 (United States) or (585) 542-9983 (internationally) and ask for the Beacon Financial Corporation conference call (Conference ID: 438 851 030). A recorded playback of the call will be available for one week following the call on the Company\u2019s website under \u201cInvestor Relations\u201d or by dialing (833) 309-1852 (United States & Canada) or (929) 828-5978 (internationally) and entering the passcode: 438 851 030.<\/p>\n

\n ABOUT BEACON FINANCIAL CORPORATION<\/strong>\n <\/p>\n

Beacon Financial Corporation (NYSE: BBT) is the holding company for Beacon Bank & Trust, commonly known as Beacon Bank, a full-service regional bank serving the Northeast. Headquartered in Boston, the Company has $21.9 billion in assets and more than 145 branches throughout New England and New York. Beacon Bank offers a full suite of tailored banking solutions including commercial, cash management, asset-based lending, retail, consumer and residential products and services. The Company also provides equipment financing through its Eastern Funding subsidiary, SBA lending through its 44 Business Capital division, and private wealth services through Beacon Bank and Clarendon Private.<\/p>\n

\n FORWARD-LOOKING STATEMENTS<\/strong>\n <\/p>\n

Certain statements contained in this press release that are not historical facts may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The Company may also make forward-looking statements in other documents it files with the Securities and Exchange Commission (“SEC”), in our annual reports to shareholders, in press releases and other written materials, and in oral statements made by our officers, directors or employees. You can identify forward looking statements by the use of the words \u201cbelieve,\u201d \u201cexpect,\u201d \u201canticipate,\u201d \u201cintend,\u201d \u201cestimate,\u201d \u201cassume,\u201d \u201coutlook,\u201d \u201cwill,\u201d \u201cshould,\u201d and other expressions that predict or indicate future events and trends and which do not relate to historical matters, including statements regarding the Company\u2019s business, credit quality, financial condition, liquidity and results of operations. Forward-looking statements may differ, possibly materially, from what is included in this press release due to factors and future developments that are uncertain and beyond the scope of the Company\u2019s control. These include, but are not limited to, changes in interest rates; general economic conditions (including the impact of ongoing armed conflicts, tariffs, inflation, and concerns about liquidity) on a national basis or in the local markets in which the Company operates; ongoing turbulence in the capital and debt markets; competitive pressures from other financial institutions; changes in consumer behavior due to changing political, business and economic conditions, or legislative or regulatory initiatives; changes in the value of securities and other assets in the Company\u2019s investment portfolio; increases in loan and lease default and charge-off rates; the adequacy of allowances for loan and lease losses; decreases in deposit levels that necessitate increases in borrowing to fund loans and investments; operational risks including, but not limited to, cybersecurity incidents, fraud, natural disasters, and future pandemics; changes in regulation; the possibility that future credit losses may be higher than currently expected due to changes in economic assumptions and adverse economic developments; the risk that goodwill and intangibles recorded in the Company\u2019s financial statements will become impaired; and changes in assumptions used in making such forward-looking statements. Forward-looking statements involve risks and uncertainties which are difficult to predict. The Company\u2019s actual results could differ materially from those projected in the forward-looking statements as a result of, among others, the risks outlined in the Company\u2019s Annual Report on Form 10-K, as updated by its Quarterly Reports on Form 10-Q and other filings submitted to the SEC. The Company does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.<\/p>\n

\n BASIS OF PRESENTATION<\/strong>\n <\/p>\n

The Company’s consolidated financial statements have been prepared in conformity with generally accepted accounting principles (\u201cGAAP\u201d) as set forth by the Financial Accounting Standards Board in its Accounting Standards Codification and through the rules and interpretive releases of the SEC under the authority of federal securities laws. Certain amounts previously reported have been reclassified to conform to the current period’s presentation.<\/p>\n

\n NON-GAAP FINANCIAL MEASURES<\/strong>\n <\/p>\n

The Company uses certain non-GAAP financial measures, such as operating earnings after tax, operating earnings per common share, operating return on average assets, operating return on average tangible assets, operating return on average stockholders’ equity, operating return on average tangible stockholders’ equity, tangible book value per common share, tangible stockholders\u2019 equity to tangible assets, return on average tangible assets (annualized) and return on average tangible stockholders’ equity (annualized). These non-GAAP financial measures provide information for investors to effectively analyze financial trends of ongoing business activities, and to enhance comparability with peers across the financial services sector. A detailed reconciliation table of the Company’s GAAP to the non-GAAP measures is attached.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n INVESTOR RELATIONS:<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Contact:<\/td>\nCarl M. Carlson<\/td>\n<\/tr>\n
\u00a0<\/td>\nBeacon Financial Corporation<\/td>\n<\/tr>\n
\u00a0<\/td>\nChief Financial and Strategy Officer<\/td>\n<\/tr>\n
\u00a0<\/td>\n(617) 425-5331<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n carl.carlson@beaconbank.com<\/a>\u00a0<\/td>\n<\/tr>\n
\n MEDIA CONTACT:<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Contact:<\/td>\nGary Levante<\/td>\n<\/tr>\n
\u00a0<\/td>\nBeacon Financial Corporation<\/td>\n<\/tr>\n
\u00a0<\/td>\nChief Marketing Officer<\/td>\n<\/tr>\n
\u00a0<\/td>\n(413) 447-1737<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n gary.levante@beaconbank.com<\/a>\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n BEACON FINANCIAL CORPORATION AND SUBSIDIARIES<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Selected Financial Highlights (Unaudited)<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n At and for the Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n March 31,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n December 31,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars In Thousands Except per Share Data)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Earnings Data:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n$<\/td>\n197,153<\/td>\n$<\/td>\n193,207<\/td>\n$<\/td>\n190,774<\/td>\n$<\/td>\n199,741<\/td>\n$<\/td>\n128,850<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses on loans and unfunded commitments<\/td>\n8,875<\/td>\n5,007<\/td>\n7,899<\/td>\n8,141<\/td>\n20,268<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision (recovery) of credit losses on investments<\/td>\n53<\/td>\n(85)<\/td>\n47<\/td>\n(35)<\/td>\n32<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest income<\/td>\n25,999<\/td>\n25,988<\/td>\n23,947<\/td>\n25,918<\/td>\n12,345<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n132,694<\/td>\n127,256<\/td>\n140,822<\/td>\n142,366<\/td>\n129,296<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income (loss) before provision for income taxes<\/td>\n81,530<\/td>\n87,017<\/td>\n65,953<\/td>\n75,187<\/td>\n(8,401)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income (loss)<\/td>\n61,182<\/td>\n64,426<\/td>\n46,217<\/td>\n53,366<\/td>\n(4,221)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Performance Ratios:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin (1)<\/td>\n3.85 %<\/td>\n3.81 %<\/td>\n3.78 %<\/td>\n3.82 %<\/td>\n3.62 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-rate spread (1)<\/td>\n3.23 %<\/td>\n3.13 %<\/td>\n3.02 %<\/td>\n3.15 %<\/td>\n2.94 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average assets (annualized)<\/td>\n1.11 %<\/td>\n1.17 %<\/td>\n0.84 %<\/td>\n0.94 %<\/td>\n(0.11)%<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible assets (annualized) (non-GAAP)<\/td>\n1.14 %<\/td>\n1.20 %<\/td>\n0.86 %<\/td>\n0.97 %<\/td>\n(0.11)%<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average stockholders’ equity (annualized)<\/td>\n9.55 %<\/td>\n10.15 %<\/td>\n7.32 %<\/td>\n8.70 %<\/td>\n(1.01)%<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible stockholders’ equity (annualized) (non-GAAP)<\/td>\n12.02 %<\/td>\n12.84 %<\/td>\n9.30 %<\/td>\n11.19 %<\/td>\n(1.27)%<\/td>\n\u00a0<\/td>\n<\/tr>\n
Efficiency ratio (2)<\/td>\n59.46 %<\/td>\n58.06 %<\/td>\n65.58 %<\/td>\n63.09 %<\/td>\n91.57 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
Core efficiency ratio (3)<\/td>\n53.54 %<\/td>\n54.26 %<\/td>\n55.64 %<\/td>\n52.81 %<\/td>\n56.55 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Per Common Share Data:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income (loss) \u2014 Basic<\/td>\n$<\/td>\n0.73<\/td>\n$<\/td>\n0.77<\/td>\n$<\/td>\n0.55<\/td>\n$<\/td>\n0.64<\/td>\n$<\/td>\n(0.05)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income (loss) \u2014 Diluted<\/td>\n0.73<\/td>\n0.77<\/td>\n0.55<\/td>\n0.64<\/td>\n(0.05)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cash dividends declared<\/td>\n0.3225<\/td>\n0.3225<\/td>\n0.3225<\/td>\n0.3225<\/td>\n0.3225<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per share (end of period)<\/td>\n30.04<\/td>\n30.30<\/td>\n29.88<\/td>\n29.78<\/td>\n29.33<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per share (end of period) (non-GAAP)<\/td>\n23.81<\/td>\n23.98<\/td>\n23.48<\/td>\n23.32<\/td>\n22.75<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stock price (end of period)<\/td>\n27.99<\/td>\n30.45<\/td>\n30.00<\/td>\n26.37<\/td>\n23.71<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Balance Sheet:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n21,875,584<\/td>\n$<\/td>\n22,250,964<\/td>\n$<\/td>\n22,227,616<\/td>\n$<\/td>\n23,220,372<\/td>\n$<\/td>\n22,867,458<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total loans and leases<\/td>\n17,652,416<\/td>\n17,822,218<\/td>\n17,924,156<\/td>\n18,029,552<\/td>\n18,305,379<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n18,182,560<\/td>\n18,485,864<\/td>\n18,292,280<\/td>\n19,514,657<\/td>\n18,904,063<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders\u2019 equity<\/td>\n2,519,589<\/td>\n2,539,796<\/td>\n2,504,781<\/td>\n2,496,061<\/td>\n2,461,015<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Asset Quality:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets<\/td>\n$<\/td>\n163,059<\/td>\n$<\/td>\n155,155<\/td>\n$<\/td>\n151,239<\/td>\n$<\/td>\n116,747<\/td>\n$<\/td>\n101,990<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets as a percentage of total assets<\/td>\n0.75 %<\/td>\n0.70 %<\/td>\n0.68 %<\/td>\n0.50 %<\/td>\n0.45 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan and lease losses<\/td>\n$<\/td>\n233,188<\/td>\n$<\/td>\n238,189<\/td>\n$<\/td>\n244,377<\/td>\n$<\/td>\n252,839<\/td>\n$<\/td>\n253,735<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan and lease losses as a percentage of total loans and leases<\/td>\n1.32 %<\/td>\n1.34 %<\/td>\n1.36 %<\/td>\n1.40 %<\/td>\n1.39 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loan and lease charge-offs (4)<\/td>\n13,470<\/td>\n$<\/td>\n14,280<\/td>\n$<\/td>\n13,551<\/td>\n$<\/td>\n9,019<\/td>\n$<\/td>\n15,857<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loan and lease charge-offs as a percentage of average loans and leases (annualized)<\/td>\n0.30 %<\/td>\n0.32 %<\/td>\n0.30 %<\/td>\n0.20 %<\/td>\n0.51 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Capital Ratios:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stockholders\u2019 equity to total assets<\/td>\n11.52 %<\/td>\n11.41 %<\/td>\n11.27 %<\/td>\n10.75 %<\/td>\n10.76 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible stockholders\u2019 equity to tangible assets (non-GAAP)<\/td>\n9.35 %<\/td>\n9.25 %<\/td>\n9.07 %<\/td>\n8.62 %<\/td>\n8.56 %<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
(1) Calculated on a fully tax-equivalent basis.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
(2) Calculated as non-interest expense as a percentage of net interest income plus non-interest income.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
(3) Core efficiency ratio excludes amortization of identified intangible assets.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
(4) The balance at September 30, 2025 excludes a $15.8 million Merger Day 1 charge-offs write up.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n BEACON FINANCIAL CORPORATION AND SUBSIDIARIES<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Consolidated Balance Sheets (Unaudited)<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n March 31,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n December 31,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n ASSETS<\/strong>
\n <\/em>\n <\/td>\n		(In Thousands Except Share Data)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cash and due from banks<\/td>\n$<\/td>\n273,493<\/td>\n\u00a0<\/td>\n$<\/td>\n240,680<\/td>\n\u00a0<\/td>\n$<\/td>\n185,692<\/td>\n\u00a0<\/td>\n$<\/td>\n201,557<\/td>\n\u00a0<\/td>\n$<\/td>\n182,251<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Short-term investments<\/td>\n\u00a0<\/td>\n497,860<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n975,423<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n927,256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,840,188<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,038,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total cash and cash equivalents<\/td>\n\u00a0<\/td>\n771,353<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,216,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,112,948<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,041,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,220,620<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities available-for-sale<\/td>\n\u00a0<\/td>\n1,956,529<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,761,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,718,710<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,688,768<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,739,423<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total investment securities<\/td>\n\u00a0<\/td>\n1,956,529<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,761,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,718,710<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,688,768<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,739,423<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for investment security losses<\/td>\n\u00a0<\/td>\n(109<\/td>\n)<\/td>\n\u00a0<\/td>\n(56<\/td>\n)<\/td>\n\u00a0<\/td>\n(141<\/td>\n)<\/td>\n\u00a0<\/td>\n(94<\/td>\n)<\/td>\n\u00a0<\/td>\n(129<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net investment securities<\/td>\n\u00a0<\/td>\n1,956,420<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,761,241<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,718,569<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,688,674<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,739,294<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans and leases held-for-sale<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,330<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans and leases:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial real estate loans<\/td>\n\u00a0<\/td>\n9,710,208<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,884,139<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,957,408<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,012,094<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,247,090<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial loans and leases<\/td>\n\u00a0<\/td>\n4,050,789<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,981,803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,011,974<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,947,363<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,950,693<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer loans<\/td>\n\u00a0<\/td>\n3,891,419<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,956,276<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,954,774<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,070,095<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,107,596<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total loans and leases<\/td>\n\u00a0<\/td>\n17,652,416<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,822,218<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,924,156<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,029,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,305,379<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan and lease losses<\/td>\n\u00a0<\/td>\n(233,188<\/td>\n)<\/td>\n\u00a0<\/td>\n(238,189<\/td>\n)<\/td>\n\u00a0<\/td>\n(244,377<\/td>\n)<\/td>\n\u00a0<\/td>\n(252,839<\/td>\n)<\/td>\n\u00a0<\/td>\n(253,735<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loans and leases<\/td>\n\u00a0<\/td>\n17,419,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,584,029<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,679,779<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,776,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,051,644<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Restricted equity securities<\/td>\n\u00a0<\/td>\n79,570<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90,660<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n97,441<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n87,438<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n99,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Premises and equipment, net of accumulated depreciation<\/td>\n\u00a0<\/td>\n167,504<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n161,175<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n161,141<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n162,474<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n158,375<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Right-of-use asset operating leases<\/td>\n\u00a0<\/td>\n80,249<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n82,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n84,851<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n82,817<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n84,238<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deferred tax asset<\/td>\n\u00a0<\/td>\n156,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n138,466<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n142,827<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n149,487<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n178,456<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n357,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n357,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n355,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n351,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n353,471<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Identified intangible assets, net of accumulated amortization<\/td>\n\u00a0<\/td>\n164,780<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n172,906<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n181,234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n189,562<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,339<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other real estate owned and repossessed assets<\/td>\n\u00a0<\/td>\n2,505<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,505<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,623<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cash surrender value of bank-owned life insurance policies<\/td>\n\u00a0<\/td>\n337,791<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n335,523<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n336,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n334,442<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n332,840<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other assets<\/td>\n\u00a0<\/td>\n382,455<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n348,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n353,954<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n352,816<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n364,060<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n21,875,584<\/td>\n\u00a0<\/td>\n$<\/td>\n22,250,964<\/td>\n\u00a0<\/td>\n$<\/td>\n22,227,616<\/td>\n\u00a0<\/td>\n$<\/td>\n23,220,372<\/td>\n\u00a0<\/td>\n$<\/td>\n22,867,458<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n LIABILITIES AND STOCKHOLDERS’ EQUITY<\/strong>
\n <\/em>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Demand checking accounts<\/td>\n$<\/td>\n3,886,512<\/td>\n\u00a0<\/td>\n$<\/td>\n3,910,604<\/td>\n\u00a0<\/td>\n$<\/td>\n3,861,000<\/td>\n\u00a0<\/td>\n$<\/td>\n4,032,529<\/td>\n\u00a0<\/td>\n$<\/td>\n3,905,559<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
NOW accounts<\/td>\n\u00a0<\/td>\n1,570,468<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,569,862<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,520,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,445,894<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,470,808<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings accounts<\/td>\n\u00a0<\/td>\n3,045,425<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,035,355<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,088,857<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,954,029<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,904,888<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Money market accounts<\/td>\n\u00a0<\/td>\n4,351,324<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,461,990<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,393,607<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,636,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,545,231<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Payroll deposit accounts<\/td>\n\u00a0<\/td>\n885,465<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,212,178<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,213,861<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,878,758<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,044,462<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Certificate of deposit accounts<\/td>\n\u00a0<\/td>\n4,068,649<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,064,518<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,085,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,156,540<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,127,226<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Brokered deposit accounts<\/td>\n\u00a0<\/td>\n374,717<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n231,357<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n128,844<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n410,359<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n905,889<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest-bearing deposits<\/td>\n\u00a0<\/td>\n14,296,048<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,575,260<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,431,280<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,482,128<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,998,504<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n\u00a0<\/td>\n18,182,560<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,485,864<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,292,280<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,514,657<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,904,063<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Borrowed funds:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Advances from the FHLB<\/td>\n\u00a0<\/td>\n358,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n633,292<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n822,091<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n555,788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n841,044<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures and notes<\/td>\n\u00a0<\/td>\n301,470<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n202,278<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,989<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,572<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,283<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowed funds<\/td>\n\u00a0<\/td>\n115,767<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n53,022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n51,423<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total borrowed funds<\/td>\n\u00a0<\/td>\n775,473<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n888,592<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,072,503<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n788,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,080,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating lease liabilities<\/td>\n\u00a0<\/td>\n87,961<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90,936<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n92,820<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n92,211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for unfunded credits<\/td>\n\u00a0<\/td>\n13,876<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,470<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,555<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,746<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,727<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accrued expenses and other liabilities<\/td>\n\u00a0<\/td>\n296,125<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n232,306<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n248,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n316,835<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n315,926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n19,355,995<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,711,168<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,722,835<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,724,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,406,443<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stockholders’ equity:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock, $0.01 par value; 200,000,000 shares authorized; 89,576,403 shares issued, 89,576,403 shares issued, 89,576,403 shares issued, 89,576,403 shares issued, and 89,576,403 shares issued, respectively<\/td>\n\u00a0<\/td>\n896<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n896<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n896<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n896<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n896<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Additional paid-in capital<\/td>\n\u00a0<\/td>\n2,167,725<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,164,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,172,982<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,171,885<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,171,912<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Retained earnings<\/td>\n\u00a0<\/td>\n576,280<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n542,304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n504,976<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n485,862<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n459,598<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accumulated other comprehensive income<\/td>\n\u00a0<\/td>\n(91,478<\/td>\n)<\/td>\n\u00a0<\/td>\n(34,929<\/td>\n)<\/td>\n\u00a0<\/td>\n(31,411<\/td>\n)<\/td>\n\u00a0<\/td>\n(20,002<\/td>\n)<\/td>\n\u00a0<\/td>\n(28,905<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Treasury stock, at cost;<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
5,254,101, 5,211,670, 5,548,772, 5,545,511, and 5.449,039, shares, respectively<\/td>\n\u00a0<\/td>\n(133,834<\/td>\n)<\/td>\n\u00a0<\/td>\n(132,555<\/td>\n)<\/td>\n\u00a0<\/td>\n(142,662<\/td>\n)<\/td>\n\u00a0<\/td>\n(142,580<\/td>\n)<\/td>\n\u00a0<\/td>\n(142,486<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders’ equity<\/td>\n\u00a0<\/td>\n2,519,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,539,796<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,504,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,496,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,461,015<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and stockholders’ equity<\/td>\n$<\/td>\n21,875,584<\/td>\n\u00a0<\/td>\n$<\/td>\n22,250,964<\/td>\n\u00a0<\/td>\n$<\/td>\n22,227,616<\/td>\n\u00a0<\/td>\n$<\/td>\n23,220,372<\/td>\n\u00a0<\/td>\n$<\/td>\n22,867,458<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n BEACON FINANCIAL CORPORATION AND SUBSIDIARIES<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Consolidated Statements of Income (Unaudited)<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n March 31,
2026<\/strong>\n <\/td>\n		\n December 31,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(In Thousands Except Share Data)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest and dividend income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans and leases<\/td>\n$<\/td>\n270,278<\/td>\n$<\/td>\n265,596<\/td>\n\u00a0<\/td>\n$<\/td>\n266,935<\/td>\n$<\/td>\n285,795<\/td>\n\u00a0<\/td>\n$<\/td>\n194,517<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Debt securities<\/td>\n\u00a0<\/td>\n19,748<\/td>\n\u00a0<\/td>\n18,370<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,510<\/td>\n\u00a0<\/td>\n16,335<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,984<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Restricted equity securities<\/td>\n\u00a0<\/td>\n1,107<\/td>\n\u00a0<\/td>\n1,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n843<\/td>\n\u00a0<\/td>\n1,160<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,466<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Short-term investments<\/td>\n\u00a0<\/td>\n7,780<\/td>\n\u00a0<\/td>\n8,162<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,096<\/td>\n\u00a0<\/td>\n9,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,438<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest and dividend income<\/td>\n\u00a0<\/td>\n298,913<\/td>\n\u00a0<\/td>\n293,634<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n292,384<\/td>\n\u00a0<\/td>\n312,583<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n212,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n91,559<\/td>\n\u00a0<\/td>\n88,959<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93,056<\/td>\n\u00a0<\/td>\n102,439<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n71,901<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Borrowed funds<\/td>\n\u00a0<\/td>\n10,201<\/td>\n\u00a0<\/td>\n11,468<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,554<\/td>\n\u00a0<\/td>\n10,403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,654<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest expense<\/td>\n\u00a0<\/td>\n101,760<\/td>\n\u00a0<\/td>\n100,427<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n101,610<\/td>\n\u00a0<\/td>\n112,842<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,555<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n197,153<\/td>\n\u00a0<\/td>\n193,207<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n190,774<\/td>\n\u00a0<\/td>\n199,741<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n128,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses on loans<\/td>\n\u00a0<\/td>\n8,875<\/td>\n\u00a0<\/td>\n5,007<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,899<\/td>\n\u00a0<\/td>\n8,141<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,268<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision (recovery) of credit losses on investments<\/td>\n\u00a0<\/td>\n53<\/td>\n\u00a0<\/td>\n(85<\/td>\n)<\/td>\n\u00a0<\/td>\n47<\/td>\n\u00a0<\/td>\n(35<\/td>\n)<\/td>\n\u00a0<\/td>\n32<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income after provision for credit losses<\/td>\n\u00a0<\/td>\n188,225<\/td>\n\u00a0<\/td>\n188,285<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n182,828<\/td>\n\u00a0<\/td>\n191,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n108,550<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposit fees<\/td>\n\u00a0<\/td>\n8,594<\/td>\n\u00a0<\/td>\n8,510<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,347<\/td>\n\u00a0<\/td>\n9,843<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,005<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan fees<\/td>\n\u00a0<\/td>\n2,606<\/td>\n\u00a0<\/td>\n2,619<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,366<\/td>\n\u00a0<\/td>\n2,189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,004<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan level derivative income (loss)<\/td>\n\u00a0<\/td>\n1,094<\/td>\n\u00a0<\/td>\n1,391<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n775<\/td>\n\u00a0<\/td>\n721<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gain on sales of loans and leases held-for-sale<\/td>\n\u00a0<\/td>\n3,669<\/td>\n\u00a0<\/td>\n3,869<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,689<\/td>\n\u00a0<\/td>\n4,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,175<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Wealth management fees<\/td>\n\u00a0<\/td>\n4,739<\/td>\n\u00a0<\/td>\n4,860<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,464<\/td>\n\u00a0<\/td>\n4,370<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,466<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n5,297<\/td>\n\u00a0<\/td>\n4,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,306<\/td>\n\u00a0<\/td>\n4,641<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,060<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest income<\/td>\n\u00a0<\/td>\n25,999<\/td>\n\u00a0<\/td>\n25,988<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,947<\/td>\n\u00a0<\/td>\n25,918<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Compensation and employee benefits<\/td>\n\u00a0<\/td>\n69,439<\/td>\n\u00a0<\/td>\n70,280<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n69,650<\/td>\n\u00a0<\/td>\n70,204<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,999<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Occupancy<\/td>\n\u00a0<\/td>\n12,380<\/td>\n\u00a0<\/td>\n11,791<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,097<\/td>\n\u00a0<\/td>\n11,877<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,921<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Equipment and data processing<\/td>\n\u00a0<\/td>\n16,999<\/td>\n\u00a0<\/td>\n18,300<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,127<\/td>\n\u00a0<\/td>\n19,754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,110<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional services<\/td>\n\u00a0<\/td>\n2,659<\/td>\n\u00a0<\/td>\n2,769<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,462<\/td>\n\u00a0<\/td>\n2,778<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
FDIC insurance<\/td>\n\u00a0<\/td>\n2,841<\/td>\n\u00a0<\/td>\n3,332<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,320<\/td>\n\u00a0<\/td>\n1,924<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,971<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Advertising and marketing<\/td>\n\u00a0<\/td>\n1,722<\/td>\n\u00a0<\/td>\n1,152<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,679<\/td>\n\u00a0<\/td>\n2,157<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,583<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of identified intangible assets<\/td>\n\u00a0<\/td>\n8,126<\/td>\n\u00a0<\/td>\n8,328<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,328<\/td>\n\u00a0<\/td>\n8,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,587<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n13,427<\/td>\n\u00a0<\/td>\n11,304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,134<\/td>\n\u00a0<\/td>\n10,471<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,148<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest operating expense<\/td>\n\u00a0<\/td>\n127,593<\/td>\n\u00a0<\/td>\n127,256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n127,797<\/td>\n\u00a0<\/td>\n127,942<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,433<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger and restructuring expense<\/td>\n\u00a0<\/td>\n5,101<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,025<\/td>\n\u00a0<\/td>\n14,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,863<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n\u00a0<\/td>\n132,694<\/td>\n\u00a0<\/td>\n127,256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n140,822<\/td>\n\u00a0<\/td>\n142,366<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,296<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income (loss) before provision for income taxes<\/td>\n\u00a0<\/td>\n81,530<\/td>\n\u00a0<\/td>\n87,017<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65,953<\/td>\n\u00a0<\/td>\n75,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,401<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision (benefit) for income taxes<\/td>\n\u00a0<\/td>\n20,348<\/td>\n\u00a0<\/td>\n22,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,736<\/td>\n\u00a0<\/td>\n21,821<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,180<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net Income (loss)<\/td>\n$<\/td>\n61,182<\/td>\n$<\/td>\n64,426<\/td>\n\u00a0<\/td>\n$<\/td>\n46,217<\/td>\n$<\/td>\n53,366<\/td>\n\u00a0<\/td>\n$<\/td>\n(4,221<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings per common share:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic<\/td>\n$<\/td>\n0.73<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n$<\/td>\n0.55<\/td>\n$<\/td>\n0.64<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.05<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted<\/td>\n$<\/td>\n0.73<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n$<\/td>\n0.55<\/td>\n$<\/td>\n0.64<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.05<\/td>\n)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average common shares outstanding during the period:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic<\/td>\n\u00a0<\/td>\n83,837,909<\/td>\n\u00a0<\/td>\n83,816,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,816,086<\/td>\n\u00a0<\/td>\n83,851,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n87,508,517<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted<\/td>\n\u00a0<\/td>\n83,997,567<\/td>\n\u00a0<\/td>\n83,939,430<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,903,440<\/td>\n\u00a0<\/td>\n83,878,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n87,832,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Dividends paid per common share<\/td>\n$<\/td>\n0.3225<\/td>\n$<\/td>\n0.3225<\/td>\n\u00a0<\/td>\n$<\/td>\n0.3225<\/td>\n$<\/td>\n0.3225<\/td>\n\u00a0<\/td>\n$<\/td>\n0.3225<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n BEACON FINANCIAL CORPORATION AND SUBSIDIARIES<\/strong>\n <\/td>\n<\/tr>\n
\n Consolidated Statements of Income (Unaudited)<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Nine Months Ended September 30,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(In Thousands Except Share Data)<\/td>\n<\/tr>\n
Interest and dividend income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans and leases<\/td>\n$<\/td>\n802,809<\/td>\n$<\/td>\n481,759<\/td>\n<\/tr>\n
Debt securities<\/td>\n\u00a0<\/td>\n54,628<\/td>\n\u00a0<\/td>\n24,440<\/td>\n<\/tr>\n
Restricted equity securities<\/td>\n\u00a0<\/td>\n3,456<\/td>\n\u00a0<\/td>\n3,731<\/td>\n<\/tr>\n
Short-term investments<\/td>\n\u00a0<\/td>\n24,038<\/td>\n\u00a0<\/td>\n10,275<\/td>\n<\/tr>\n
Total interest and dividend income<\/td>\n\u00a0<\/td>\n884,931<\/td>\n\u00a0<\/td>\n520,205<\/td>\n<\/tr>\n
Interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n273,574<\/td>\n\u00a0<\/td>\n178,061<\/td>\n<\/tr>\n
Borrowed funds<\/td>\n\u00a0<\/td>\n30,223<\/td>\n\u00a0<\/td>\n38,779<\/td>\n<\/tr>\n
Total interest expense<\/td>\n\u00a0<\/td>\n303,797<\/td>\n\u00a0<\/td>\n216,840<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n581,134<\/td>\n\u00a0<\/td>\n303,365<\/td>\n<\/tr>\n
Provision for credit losses on loans<\/td>\n\u00a0<\/td>\n21,781<\/td>\n\u00a0<\/td>\n33,239<\/td>\n<\/tr>\n
Provision (recovery) of credit losses on investments<\/td>\n\u00a0<\/td>\n15<\/td>\n\u00a0<\/td>\n47<\/td>\n<\/tr>\n
Net interest income after provision for credit losses<\/td>\n\u00a0<\/td>\n559,338<\/td>\n\u00a0<\/td>\n270,079<\/td>\n<\/tr>\n
Non-interest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposit fees<\/td>\n\u00a0<\/td>\n25,451<\/td>\n\u00a0<\/td>\n9,838<\/td>\n<\/tr>\n
Loan fees<\/td>\n\u00a0<\/td>\n7,591<\/td>\n\u00a0<\/td>\n1,869<\/td>\n<\/tr>\n
Loan level derivative income (loss)<\/td>\n\u00a0<\/td>\n3,260<\/td>\n\u00a0<\/td>\n701<\/td>\n<\/tr>\n
Gain on sales of loans and leases held-for-sale<\/td>\n\u00a0<\/td>\n10,227<\/td>\n\u00a0<\/td>\n1,463<\/td>\n<\/tr>\n
Wealth management fees<\/td>\n\u00a0<\/td>\n14,063<\/td>\n\u00a0<\/td>\n5,378<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n15,342<\/td>\n\u00a0<\/td>\n4,726<\/td>\n<\/tr>\n
Total non-interest income<\/td>\n\u00a0<\/td>\n75,934<\/td>\n\u00a0<\/td>\n23,975<\/td>\n<\/tr>\n
Non-interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Compensation and employee benefits<\/td>\n\u00a0<\/td>\n209,369<\/td>\n\u00a0<\/td>\n120,999<\/td>\n<\/tr>\n
Occupancy<\/td>\n\u00a0<\/td>\n37,268<\/td>\n\u00a0<\/td>\n17,991<\/td>\n<\/tr>\n
Equipment and data processing<\/td>\n\u00a0<\/td>\n55,426<\/td>\n\u00a0<\/td>\n24,963<\/td>\n<\/tr>\n
Professional services<\/td>\n\u00a0<\/td>\n7,890<\/td>\n\u00a0<\/td>\n5,311<\/td>\n<\/tr>\n
FDIC insurance<\/td>\n\u00a0<\/td>\n10,493<\/td>\n\u00a0<\/td>\n5,888<\/td>\n<\/tr>\n
Advertising and marketing<\/td>\n\u00a0<\/td>\n4,553<\/td>\n\u00a0<\/td>\n3,822<\/td>\n<\/tr>\n
Amortization of identified intangible assets<\/td>\n\u00a0<\/td>\n24,782<\/td>\n\u00a0<\/td>\n6,448<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n32,865<\/td>\n\u00a0<\/td>\n14,684<\/td>\n<\/tr>\n
Total non-interest operating expense<\/td>\n\u00a0<\/td>\n382,646<\/td>\n\u00a0<\/td>\n200,106<\/td>\n<\/tr>\n
Merger and restructuring expense<\/td>\n\u00a0<\/td>\n18,126<\/td>\n\u00a0<\/td>\n47,273<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n\u00a0<\/td>\n400,772<\/td>\n\u00a0<\/td>\n247,379<\/td>\n<\/tr>\n
Income before provision for income taxes<\/td>\n\u00a0<\/td>\n234,500<\/td>\n\u00a0<\/td>\n46,675<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n62,675<\/td>\n\u00a0<\/td>\n9,770<\/td>\n<\/tr>\n
Net income<\/td>\n$<\/td>\n171,825<\/td>\n$<\/td>\n36,905<\/td>\n<\/tr>\n
Earnings per common share:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic<\/td>\n$<\/td>\n2.05<\/td>\n$<\/td>\n0.42<\/td>\n<\/tr>\n
Diluted<\/td>\n$<\/td>\n2.05<\/td>\n$<\/td>\n0.41<\/td>\n<\/tr>\n
Weighted average common shares outstanding during the period:<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic<\/td>\n\u00a0<\/td>\n83,823,440<\/td>\n\u00a0<\/td>\n88,566,368<\/td>\n<\/tr>\n
Diluted<\/td>\n\u00a0<\/td>\n83,946,890<\/td>\n\u00a0<\/td>\n88,998,517<\/td>\n<\/tr>\n
Dividends paid per common share<\/td>\n$<\/td>\n0.9675<\/td>\n$<\/td>\n0.5925<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n BEACON FINANCIAL CORPORATION AND SUBSIDIARIES<\/strong>\n <\/td>\n<\/tr>\n
\n Asset Quality Analysis (Unaudited)<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n At and for the Three Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n March 31,
2026<\/strong>\n <\/td>\n		\n December 31,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in Thousands)<\/td>\n<\/tr>\n
\n NONPERFORMING ASSETS:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans and leases accounted for on a nonaccrual basis:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial real estate mortgage<\/td>\n$<\/td>\n77,443<\/td>\n\u00a0<\/td>\n$<\/td>\n67,645<\/td>\n\u00a0<\/td>\n$<\/td>\n65,127<\/td>\n\u00a0<\/td>\n$<\/td>\n41,246<\/td>\n\u00a0<\/td>\n$<\/td>\n30,213<\/td>\n\u00a0<\/td>\n<\/tr>\n
Multi-family mortgage<\/td>\n\u00a0<\/td>\n8,673<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,484<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,995<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,994<\/td>\n\u00a0<\/td>\n<\/tr>\n
Construction<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n535<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total commercial real estate loans<\/td>\n\u00a0<\/td>\n86,116<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n77,129<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n78,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,742<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial<\/td>\n\u00a0<\/td>\n20,396<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,626<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,716<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,035<\/td>\n\u00a0<\/td>\n<\/tr>\n
Equipment financing<\/td>\n\u00a0<\/td>\n44,862<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,493<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,633<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,718<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,793<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total commercial loans and leases<\/td>\n\u00a0<\/td>\n65,258<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,366<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n61,259<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59,434<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n55,828<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Residential mortgage<\/td>\n\u00a0<\/td>\n5,876<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,991<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,807<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,465<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,597<\/td>\n\u00a0<\/td>\n<\/tr>\n
Home equity<\/td>\n\u00a0<\/td>\n2,954<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,041<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,222<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,220<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other consumer<\/td>\n\u00a0<\/td>\n350<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n123<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n206<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n207<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n243<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total consumer loans<\/td>\n\u00a0<\/td>\n9,180<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,155<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,235<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,411<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,060<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total nonaccrual loans and leases<\/td>\n\u00a0<\/td>\n160,554<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n152,650<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n148,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n114,156<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n98,630<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other real estate owned<\/td>\n\u00a0<\/td>\n70<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n70<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n824<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other repossessed assets<\/td>\n\u00a0<\/td>\n2,435<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,435<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,623<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,536<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total nonperforming assets<\/td>\n$<\/td>\n163,059<\/td>\n\u00a0<\/td>\n$<\/td>\n155,155<\/td>\n\u00a0<\/td>\n$<\/td>\n151,239<\/td>\n\u00a0<\/td>\n$<\/td>\n116,747<\/td>\n\u00a0<\/td>\n$<\/td>\n101,990<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans and leases past due greater than 90 days and still accruing<\/td>\n$<\/td>\n27,849<\/td>\n\u00a0<\/td>\n$<\/td>\n7,785<\/td>\n\u00a0<\/td>\n$<\/td>\n5,834<\/td>\n\u00a0<\/td>\n$<\/td>\n37,823<\/td>\n\u00a0<\/td>\n$<\/td>\n23,570<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming loans and leases as a percentage of total loans and leases<\/td>\n\u00a0<\/td>\n0.91<\/td>\n%<\/td>\n\u00a0<\/td>\n0.86<\/td>\n%<\/td>\n\u00a0<\/td>\n0.83<\/td>\n%<\/td>\n\u00a0<\/td>\n0.63<\/td>\n%<\/td>\n\u00a0<\/td>\n0.54<\/td>\n%<\/td>\n<\/tr>\n
Nonperforming assets as a percentage of total assets<\/td>\n\u00a0<\/td>\n0.75<\/td>\n%<\/td>\n\u00a0<\/td>\n0.70<\/td>\n%<\/td>\n\u00a0<\/td>\n0.68<\/td>\n%<\/td>\n\u00a0<\/td>\n0.50<\/td>\n%<\/td>\n\u00a0<\/td>\n0.45<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n PROVISION AND ALLOWANCE FOR LOAN AND LEASE LOSSES:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan and lease losses at beginning of period<\/td>\n$<\/td>\n238,189<\/td>\n\u00a0<\/td>\n$<\/td>\n244,377<\/td>\n\u00a0<\/td>\n$<\/td>\n252,839<\/td>\n\u00a0<\/td>\n$<\/td>\n253,735<\/td>\n\u00a0<\/td>\n$<\/td>\n126,725<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger Day 1 allowance on non-PCD loans *<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67,229<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger Day 1 allowance on PCD loans<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64,511<\/td>\n\u00a0<\/td>\n<\/tr>\n
Charge-offs<\/td>\n\u00a0<\/td>\n(14,714<\/td>\n)<\/td>\n\u00a0<\/td>\n(15,353<\/td>\n)<\/td>\n\u00a0<\/td>\n(15,880<\/td>\n)<\/td>\n\u00a0<\/td>\n(10,917<\/td>\n)<\/td>\n\u00a0<\/td>\n(16,661<\/td>\n)<\/td>\n<\/tr>\n
Recoveries<\/td>\n\u00a0<\/td>\n1,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,073<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,329<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,898<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n804<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs**<\/td>\n\u00a0<\/td>\n(13,470<\/td>\n)<\/td>\n\u00a0<\/td>\n(14,280<\/td>\n)<\/td>\n\u00a0<\/td>\n(13,551<\/td>\n)<\/td>\n\u00a0<\/td>\n(9,019<\/td>\n)<\/td>\n\u00a0<\/td>\n(15,857<\/td>\n)<\/td>\n<\/tr>\n
Provision for loan and lease losses excluding unfunded commitments ***<\/td>\n\u00a0<\/td>\n8,469<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,092<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,123<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,127<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan and lease losses at end of period<\/td>\n$<\/td>\n233,188<\/td>\n\u00a0<\/td>\n$<\/td>\n238,189<\/td>\n\u00a0<\/td>\n$<\/td>\n244,377<\/td>\n\u00a0<\/td>\n$<\/td>\n252,839<\/td>\n\u00a0<\/td>\n$<\/td>\n253,735<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan and lease losses as a percentage of total loans and leases<\/td>\n\u00a0<\/td>\n1.32<\/td>\n%<\/td>\n\u00a0<\/td>\n1.34<\/td>\n%<\/td>\n\u00a0<\/td>\n1.36<\/td>\n%<\/td>\n\u00a0<\/td>\n1.40<\/td>\n%<\/td>\n\u00a0<\/td>\n1.39<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n NET CHARGE-OFFS:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial real estate loans<\/td>\n$<\/td>\n3,431<\/td>\n\u00a0<\/td>\n$<\/td>\n7,416<\/td>\n\u00a0<\/td>\n$<\/td>\n6,997<\/td>\n\u00a0<\/td>\n$<\/td>\n6,598<\/td>\n\u00a0<\/td>\n$<\/td>\n819<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial loans and leases<\/td>\n\u00a0<\/td>\n10,088<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,897<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,611<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,799<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,116<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer loans<\/td>\n\u00a0<\/td>\n(49<\/td>\n)<\/td>\n\u00a0<\/td>\n(33<\/td>\n)<\/td>\n\u00a0<\/td>\n(57<\/td>\n)<\/td>\n\u00a0<\/td>\n(378<\/td>\n)<\/td>\n\u00a0<\/td>\n(78<\/td>\n)<\/td>\n<\/tr>\n
Total net charge-offs**<\/td>\n$<\/td>\n13,470<\/td>\n\u00a0<\/td>\n$<\/td>\n14,280<\/td>\n\u00a0<\/td>\n$<\/td>\n13,551<\/td>\n\u00a0<\/td>\n$<\/td>\n9,019<\/td>\n\u00a0<\/td>\n$<\/td>\n15,857<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loan and lease charge-offs as a percentage of average loans and leases (annualized)<\/td>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n0.32<\/td>\n%<\/td>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n0.20<\/td>\n%<\/td>\n\u00a0<\/td>\n0.51<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
*As a result of the adoption of ASU 2025-08, this amount, related to seasoned non-PCD loans, is recorded as part of purchase accounting adjustments, not through the provision.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
** Excludes the impact of Merger Day 1 purchase accounting that resulted in $15.8 million of charge-offs during the three months ended September 30, 2025.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
***Provision for loan and lease losses does not include provision (credit) of $0.4 million, $(3.1 million), $2.8 million, $(0.0 million), and $9.1 million of which $8.4 million was related to Merger Day 1 for credit losses on unfunded commitments during the three months ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, and September 30, 2025, respectively.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n BEACON FINANCIAL CORPORATION. AND SUBSIDIARIES<\/strong>\n <\/td>\n<\/tr>\n
\n Average Yields \/ Costs (Unaudited)<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Average
Balance<\/strong>\n <\/td>\n		\n Interest
(1)<\/strong>\n <\/td>\n		\n Average Yield\/ Cost<\/strong>\n <\/td>\n\n Average
Balance<\/strong>\n <\/td>\n		\n Interest
(1)<\/strong>\n <\/td>\n		\n Average Yield\/ Cost<\/strong>\n <\/td>\n\n Average
Balance<\/strong>\n <\/td>\n		\n Interest
(1)<\/strong>\n <\/td>\n		\n Average Yield\/ Cost<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in Thousands)<\/td>\n<\/tr>\n
\n Assets:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-earning assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investments:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Debt securities (2)<\/td>\n$<\/td>\n1,866,739<\/td>\n$<\/td>\n20,403<\/td>\n4.37<\/td>\n%<\/td>\n$<\/td>\n1,750,455<\/td>\n$<\/td>\n19,013<\/td>\n4.35<\/td>\n%<\/td>\n$<\/td>\n1,165,022<\/td>\n$<\/td>\n11,273<\/td>\n3.87<\/td>\n%<\/td>\n<\/tr>\n
Restricted equity securities (2)<\/td>\n\u00a0<\/td>\n83,794<\/td>\n\u00a0<\/td>\n1,110<\/td>\n5.30<\/td>\n%<\/td>\n\u00a0<\/td>\n95,840<\/td>\n\u00a0<\/td>\n1,507<\/td>\n6.29<\/td>\n%<\/td>\n\u00a0<\/td>\n73,853<\/td>\n\u00a0<\/td>\n1,467<\/td>\n7.95<\/td>\n%<\/td>\n<\/tr>\n
Short-term investments<\/td>\n\u00a0<\/td>\n820,295<\/td>\n\u00a0<\/td>\n7,780<\/td>\n3.79<\/td>\n%<\/td>\n\u00a0<\/td>\n860,874<\/td>\n\u00a0<\/td>\n8,162<\/td>\n3.79<\/td>\n%<\/td>\n\u00a0<\/td>\n448,044<\/td>\n\u00a0<\/td>\n5,438<\/td>\n4.85<\/td>\n%<\/td>\n<\/tr>\n
Total investments<\/td>\n\u00a0<\/td>\n2,770,828<\/td>\n\u00a0<\/td>\n29,293<\/td>\n4.23<\/td>\n%<\/td>\n\u00a0<\/td>\n2,707,169<\/td>\n\u00a0<\/td>\n28,682<\/td>\n4.24<\/td>\n%<\/td>\n\u00a0<\/td>\n1,686,919<\/td>\n\u00a0<\/td>\n18,178<\/td>\n4.31<\/td>\n%<\/td>\n<\/tr>\n
Loans and Leases:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial real estate loans (3)<\/td>\n\u00a0<\/td>\n9,786,763<\/td>\n\u00a0<\/td>\n144,375<\/td>\n5.77<\/td>\n%<\/td>\n\u00a0<\/td>\n9,865,901<\/td>\n\u00a0<\/td>\n142,453<\/td>\n5.71<\/td>\n%<\/td>\n\u00a0<\/td>\n7,013,916<\/td>\n\u00a0<\/td>\n105,287<\/td>\n5.87<\/td>\n%<\/td>\n<\/tr>\n
Commercial loans (3)<\/td>\n\u00a0<\/td>\n2,996,699<\/td>\n\u00a0<\/td>\n48,836<\/td>\n6.38<\/td>\n%<\/td>\n\u00a0<\/td>\n2,952,686<\/td>\n\u00a0<\/td>\n46,038<\/td>\n6.17<\/td>\n%<\/td>\n\u00a0<\/td>\n1,818,012<\/td>\n\u00a0<\/td>\n30,115<\/td>\n6.48<\/td>\n%<\/td>\n<\/tr>\n
Equipment financing (3)<\/td>\n\u00a0<\/td>\n1,015,449<\/td>\n\u00a0<\/td>\n20,138<\/td>\n7.93<\/td>\n%<\/td>\n\u00a0<\/td>\n1,052,189<\/td>\n\u00a0<\/td>\n21,675<\/td>\n8.24<\/td>\n%<\/td>\n\u00a0<\/td>\n1,209,797<\/td>\n\u00a0<\/td>\n24,692<\/td>\n8.16<\/td>\n%<\/td>\n<\/tr>\n
Consumer loans (3)<\/td>\n\u00a0<\/td>\n3,916,588<\/td>\n\u00a0<\/td>\n57,959<\/td>\n5.91<\/td>\n%<\/td>\n\u00a0<\/td>\n3,935,888<\/td>\n\u00a0<\/td>\n56,399<\/td>\n5.73<\/td>\n%<\/td>\n\u00a0<\/td>\n2,505,760<\/td>\n\u00a0<\/td>\n35,103<\/td>\n5.59<\/td>\n%<\/td>\n<\/tr>\n
Total loans and leases<\/td>\n\u00a0<\/td>\n17,715,499<\/td>\n\u00a0<\/td>\n271,308<\/td>\n6.13<\/td>\n%<\/td>\n\u00a0<\/td>\n17,806,664<\/td>\n\u00a0<\/td>\n266,565<\/td>\n5.99<\/td>\n%<\/td>\n\u00a0<\/td>\n12,547,485<\/td>\n\u00a0<\/td>\n195,197<\/td>\n6.22<\/td>\n%<\/td>\n<\/tr>\n
Total interest-earning assets<\/td>\n\u00a0<\/td>\n20,486,327<\/td>\n\u00a0<\/td>\n300,601<\/td>\n5.87<\/td>\n%<\/td>\n\u00a0<\/td>\n20,513,833<\/td>\n\u00a0<\/td>\n295,247<\/td>\n5.76<\/td>\n%<\/td>\n\u00a0<\/td>\n14,234,404<\/td>\n\u00a0<\/td>\n213,375<\/td>\n6.00<\/td>\n%<\/td>\n<\/tr>\n
Non-interest-earning assets<\/td>\n\u00a0<\/td>\n1,558,531<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,526,851<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n975,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n22,044,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,040,684<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,210,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Liabilities and Stockholders’ Equity:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
NOW accounts<\/td>\n$<\/td>\n1,588,380<\/td>\n\u00a0<\/td>\n3,536<\/td>\n0.88<\/td>\n%<\/td>\n$<\/td>\n1,535,148<\/td>\n\u00a0<\/td>\n3,622<\/td>\n0.95<\/td>\n%<\/td>\n$<\/td>\n917,794<\/td>\n\u00a0<\/td>\n1,786<\/td>\n0.77<\/td>\n%<\/td>\n<\/tr>\n
Savings accounts<\/td>\n\u00a0<\/td>\n3,044,938<\/td>\n\u00a0<\/td>\n14,342<\/td>\n1.87<\/td>\n%<\/td>\n\u00a0<\/td>\n3,057,585<\/td>\n\u00a0<\/td>\n14,045<\/td>\n1.84<\/td>\n%<\/td>\n\u00a0<\/td>\n2,201,808<\/td>\n\u00a0<\/td>\n12,867<\/td>\n2.32<\/td>\n%<\/td>\n<\/tr>\n
Money market accounts<\/td>\n\u00a0<\/td>\n4,470,968<\/td>\n\u00a0<\/td>\n27,316<\/td>\n2.42<\/td>\n%<\/td>\n\u00a0<\/td>\n4,396,223<\/td>\n\u00a0<\/td>\n26,245<\/td>\n2.39<\/td>\n%<\/td>\n\u00a0<\/td>\n3,324,253<\/td>\n\u00a0<\/td>\n23,131<\/td>\n2.76<\/td>\n%<\/td>\n<\/tr>\n
Certificates of deposit<\/td>\n\u00a0<\/td>\n4,075,397<\/td>\n\u00a0<\/td>\n35,397<\/td>\n3.45<\/td>\n%<\/td>\n\u00a0<\/td>\n4,051,332<\/td>\n\u00a0<\/td>\n34,862<\/td>\n3.45<\/td>\n%<\/td>\n\u00a0<\/td>\n2,607,493<\/td>\n\u00a0<\/td>\n24,956<\/td>\n3.80<\/td>\n%<\/td>\n<\/tr>\n
Payroll deposit accounts (4)<\/td>\n\u00a0<\/td>\n1,000,373<\/td>\n\u00a0<\/td>\n7,725<\/td>\n3.06<\/td>\n%<\/td>\n\u00a0<\/td>\n1,127,661<\/td>\n\u00a0<\/td>\n8,570<\/td>\n3.05<\/td>\n%<\/td>\n\u00a0<\/td>\nNA<\/td>\n\u00a0<\/td>\nNA<\/td>\nNA<\/td>\n<\/tr>\n
Brokered deposit accounts<\/td>\n\u00a0<\/td>\n317,741<\/td>\n\u00a0<\/td>\n3,243<\/td>\n4.05<\/td>\n%<\/td>\n\u00a0<\/td>\n174,146<\/td>\n\u00a0<\/td>\n1,615<\/td>\n3.72<\/td>\n%<\/td>\n\u00a0<\/td>\n823,059<\/td>\n\u00a0<\/td>\n9,161<\/td>\n4.42<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing deposits<\/td>\n\u00a0<\/td>\n14,497,797<\/td>\n\u00a0<\/td>\n91,559<\/td>\n2.51<\/td>\n%<\/td>\n\u00a0<\/td>\n14,342,095<\/td>\n\u00a0<\/td>\n88,959<\/td>\n2.49<\/td>\n%<\/td>\n\u00a0<\/td>\n9,874,407<\/td>\n\u00a0<\/td>\n71,901<\/td>\n2.89<\/td>\n%<\/td>\n<\/tr>\n
Borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Advances from the FHLB<\/td>\n\u00a0<\/td>\n461,293<\/td>\n\u00a0<\/td>\n4,451<\/td>\n3.78<\/td>\n%<\/td>\n\u00a0<\/td>\n742,763<\/td>\n\u00a0<\/td>\n7,169<\/td>\n3.82<\/td>\n%<\/td>\n\u00a0<\/td>\n792,455<\/td>\n\u00a0<\/td>\n8,709<\/td>\n4.30<\/td>\n%<\/td>\n<\/tr>\n
Subordinated debentures and notes<\/td>\n\u00a0<\/td>\n258,936<\/td>\n\u00a0<\/td>\n5,042<\/td>\n7.79<\/td>\n%<\/td>\n\u00a0<\/td>\n199,243<\/td>\n\u00a0<\/td>\n3,693<\/td>\n7.41<\/td>\n%<\/td>\n\u00a0<\/td>\n121,526<\/td>\n\u00a0<\/td>\n2,394<\/td>\n7.88<\/td>\n%<\/td>\n<\/tr>\n
Other borrowed funds<\/td>\n\u00a0<\/td>\n76,963<\/td>\n\u00a0<\/td>\n708<\/td>\n3.65<\/td>\n%<\/td>\n\u00a0<\/td>\n54,565<\/td>\n\u00a0<\/td>\n606<\/td>\n4.46<\/td>\n%<\/td>\n\u00a0<\/td>\n42,303<\/td>\n\u00a0<\/td>\n551<\/td>\n5.16<\/td>\n%<\/td>\n<\/tr>\n
Total borrowings<\/td>\n\u00a0<\/td>\n797,192<\/td>\n\u00a0<\/td>\n10,201<\/td>\n5.01<\/td>\n%<\/td>\n\u00a0<\/td>\n996,571<\/td>\n\u00a0<\/td>\n11,468<\/td>\n4.55<\/td>\n%<\/td>\n\u00a0<\/td>\n956,284<\/td>\n\u00a0<\/td>\n11,654<\/td>\n4.77<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing liabilities<\/td>\n\u00a0<\/td>\n15,294,989<\/td>\n\u00a0<\/td>\n101,760<\/td>\n2.64<\/td>\n%<\/td>\n\u00a0<\/td>\n15,338,666<\/td>\n\u00a0<\/td>\n100,427<\/td>\n2.63<\/td>\n%<\/td>\n\u00a0<\/td>\n10,830,691<\/td>\n\u00a0<\/td>\n83,555<\/td>\n3.06<\/td>\n%<\/td>\n<\/tr>\n
Non-interest-bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Demand checking accounts<\/td>\n\u00a0<\/td>\n3,829,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,813,559<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,414,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other non-interest-bearing liabilities<\/td>\n\u00a0<\/td>\n358,987<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n348,856<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n287,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n19,483,054<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,501,081<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,531,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n2,561,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,539,603<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,678,208<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and equity<\/td>\n$<\/td>\n22,044,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,040,684<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,210,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income (tax-equivalent basis) \/Interest-rate spread (5)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,841<\/td>\n3.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n194,820<\/td>\n3.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,820<\/td>\n2.94<\/td>\n%<\/td>\n<\/tr>\n
Less adjustment of tax-exempt income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,688<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n970<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n197,153<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n193,207<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n128,850<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin (6)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.62<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
(1) Tax-exempt income on debt securities, equity securities and revenue bonds included in commercial real estate loans is included on a tax-equivalent basis.<\/td>\n<\/tr>\n
(2) Average balances include unrealized gains (losses) on investment securities. Dividend payments may not be consistent and average yield on equity securities may vary from month to month.<\/td>\n<\/tr>\n
(3) Loans on nonaccrual status are included in the average balances.<\/td>\n<\/tr>\n
(4) Payroll deposit accounts, if any, in periods prior to June 30, 2026, are included in the average money market account balance.<\/td>\n<\/tr>\n
(5) Interest rate spread represents the difference between the yield on interest-earning assets and the cost of interest-bearing liabilities.<\/td>\n<\/tr>\n
(6) Net interest margin represents net interest income (tax-equivalent basis) divided by average interest-earning assets on an actual\/actual basis.<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n BEACON FINANCIAL CORPORATION AND SUBSIDIARIES<\/strong>\n <\/td>\n<\/tr>\n
\n Average Yields \/ Costs (Unaudited)<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Average
Balance<\/strong>\n <\/td>\n		\n Interest
(1)<\/strong>\n <\/td>\n		\n Average
Yield\/Cost<\/strong>\n <\/td>\n		\n Average
Balance<\/strong>\n <\/td>\n		\n Interest
(1)<\/strong>\n <\/td>\n		\n Average
Yield\/Cost<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in Thousands)<\/td>\n<\/tr>\n
\n Assets:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-earning assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investments:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Debt securities (2)<\/td>\n$<\/td>\n1,767,860<\/td>\n$<\/td>\n56,569<\/td>\n4.27<\/td>\n%<\/td>\n$<\/td>\n977,060<\/td>\n$<\/td>\n24,839<\/td>\n3.39<\/td>\n%<\/td>\n<\/tr>\n
Restricted equity securities (2)<\/td>\n\u00a0<\/td>\n87,970<\/td>\n\u00a0<\/td>\n3,462<\/td>\n5.25<\/td>\n%<\/td>\n\u00a0<\/td>\n69,802<\/td>\n\u00a0<\/td>\n3,733<\/td>\n7.13<\/td>\n%<\/td>\n<\/tr>\n
Short-term investments<\/td>\n\u00a0<\/td>\n835,739<\/td>\n\u00a0<\/td>\n24,038<\/td>\n3.84<\/td>\n%<\/td>\n\u00a0<\/td>\n304,870<\/td>\n\u00a0<\/td>\n10,275<\/td>\n4.49<\/td>\n%<\/td>\n<\/tr>\n
Total investments<\/td>\n\u00a0<\/td>\n2,691,569<\/td>\n\u00a0<\/td>\n84,069<\/td>\n4.16<\/td>\n%<\/td>\n\u00a0<\/td>\n1,351,732<\/td>\n\u00a0<\/td>\n38,847<\/td>\n3.83<\/td>\n%<\/td>\n<\/tr>\n
Loans and Leases:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial real estate loans (3)<\/td>\n\u00a0<\/td>\n9,874,879<\/td>\n\u00a0<\/td>\n429,887<\/td>\n5.74<\/td>\n%<\/td>\n\u00a0<\/td>\n6,071,163<\/td>\n\u00a0<\/td>\n259,666<\/td>\n5.64<\/td>\n%<\/td>\n<\/tr>\n
Commercial loans (3)<\/td>\n\u00a0<\/td>\n2,942,577<\/td>\n\u00a0<\/td>\n139,520<\/td>\n6.25<\/td>\n%<\/td>\n\u00a0<\/td>\n1,449,490<\/td>\n\u00a0<\/td>\n70,600<\/td>\n6.42<\/td>\n%<\/td>\n<\/tr>\n
Equipment financing (3)<\/td>\n\u00a0<\/td>\n1,061,285<\/td>\n\u00a0<\/td>\n65,358<\/td>\n8.21<\/td>\n%<\/td>\n\u00a0<\/td>\n1,243,492<\/td>\n\u00a0<\/td>\n75,696<\/td>\n8.12<\/td>\n%<\/td>\n<\/tr>\n
Consumer loans (3)<\/td>\n\u00a0<\/td>\n3,952,764<\/td>\n\u00a0<\/td>\n171,022<\/td>\n5.77<\/td>\n%<\/td>\n\u00a0<\/td>\n1,873,834<\/td>\n\u00a0<\/td>\n77,401<\/td>\n5.51<\/td>\n%<\/td>\n<\/tr>\n
Total loans and leases<\/td>\n\u00a0<\/td>\n17,831,505<\/td>\n\u00a0<\/td>\n805,787<\/td>\n6.03<\/td>\n%<\/td>\n\u00a0<\/td>\n10,637,979<\/td>\n\u00a0<\/td>\n483,363<\/td>\n6.06<\/td>\n%<\/td>\n<\/tr>\n
Total interest-earning assets<\/td>\n\u00a0<\/td>\n20,523,074<\/td>\n\u00a0<\/td>\n889,856<\/td>\n5.78<\/td>\n%<\/td>\n\u00a0<\/td>\n11,989,711<\/td>\n\u00a0<\/td>\n522,210<\/td>\n5.81<\/td>\n%<\/td>\n<\/tr>\n
Non-interest-earning assets<\/td>\n\u00a0<\/td>\n1,550,392<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n742,502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n22,073,466<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,732,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Liabilities and Stockholders’ Equity:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
NOW accounts<\/td>\n$<\/td>\n1,539,776<\/td>\n\u00a0<\/td>\n10,688<\/td>\n0.93<\/td>\n%<\/td>\n$<\/td>\n729,035<\/td>\n\u00a0<\/td>\n3,825<\/td>\n0.70<\/td>\n%<\/td>\n<\/tr>\n
Savings accounts<\/td>\n\u00a0<\/td>\n3,045,217<\/td>\n\u00a0<\/td>\n41,999<\/td>\n1.84<\/td>\n%<\/td>\n\u00a0<\/td>\n1,910,457<\/td>\n\u00a0<\/td>\n33,732<\/td>\n2.36<\/td>\n%<\/td>\n<\/tr>\n
Money market accounts<\/td>\n\u00a0<\/td>\n5,567,366<\/td>\n\u00a0<\/td>\n105,821<\/td>\n2.54<\/td>\n%<\/td>\n\u00a0<\/td>\n2,571,233<\/td>\n\u00a0<\/td>\n50,708<\/td>\n2.64<\/td>\n%<\/td>\n<\/tr>\n
Certificates of deposit<\/td>\n\u00a0<\/td>\n4,087,458<\/td>\n\u00a0<\/td>\n107,129<\/td>\n3.50<\/td>\n%<\/td>\n\u00a0<\/td>\n2,127,184<\/td>\n\u00a0<\/td>\n62,986<\/td>\n3.96<\/td>\n%<\/td>\n<\/tr>\n
Brokered deposit accounts<\/td>\n\u00a0<\/td>\n266,394<\/td>\n\u00a0<\/td>\n7,937<\/td>\n3.98<\/td>\n%<\/td>\n\u00a0<\/td>\n779,717<\/td>\n\u00a0<\/td>\n26,810<\/td>\n4.60<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing deposits<\/td>\n\u00a0<\/td>\n14,506,211<\/td>\n\u00a0<\/td>\n273,574<\/td>\n2.52<\/td>\n%<\/td>\n\u00a0<\/td>\n8,117,626<\/td>\n\u00a0<\/td>\n178,061<\/td>\n2.93<\/td>\n%<\/td>\n<\/tr>\n
Borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Advances from the FHLB<\/td>\n\u00a0<\/td>\n560,108<\/td>\n\u00a0<\/td>\n16,298<\/td>\n3.84<\/td>\n%<\/td>\n\u00a0<\/td>\n900,666<\/td>\n\u00a0<\/td>\n30,978<\/td>\n4.54<\/td>\n%<\/td>\n<\/tr>\n
Subordinated debentures and notes<\/td>\n\u00a0<\/td>\n219,199<\/td>\n\u00a0<\/td>\n12,323<\/td>\n7.50<\/td>\n%<\/td>\n\u00a0<\/td>\n96,887<\/td>\n\u00a0<\/td>\n5,813<\/td>\n8.00<\/td>\n%<\/td>\n<\/tr>\n
Other borrowed funds<\/td>\n\u00a0<\/td>\n53,017<\/td>\n\u00a0<\/td>\n1,602<\/td>\n4.04<\/td>\n%<\/td>\n\u00a0<\/td>\n53,177<\/td>\n\u00a0<\/td>\n1,988<\/td>\n5.00<\/td>\n%<\/td>\n<\/tr>\n
Total borrowings<\/td>\n\u00a0<\/td>\n832,324<\/td>\n\u00a0<\/td>\n30,223<\/td>\n4.79<\/td>\n%<\/td>\n\u00a0<\/td>\n1,050,730<\/td>\n\u00a0<\/td>\n38,779<\/td>\n4.87<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing liabilities<\/td>\n\u00a0<\/td>\n15,338,535<\/td>\n\u00a0<\/td>\n303,797<\/td>\n2.65<\/td>\n%<\/td>\n\u00a0<\/td>\n9,168,356<\/td>\n\u00a0<\/td>\n216,840<\/td>\n3.16<\/td>\n%<\/td>\n<\/tr>\n
Non-interest-bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Demand checking accounts<\/td>\n\u00a0<\/td>\n3,836,271<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,919,100<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other non-interest-bearing liabilities<\/td>\n\u00a0<\/td>\n356,724<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n254,646<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n19,531,530<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,342,102<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n2,541,936<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,390,111<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and equity<\/td>\n$<\/td>\n22,073,466<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,732,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income (tax-equivalent basis) \/Interest-rate spread (4)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n586,059<\/td>\n3.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n305,370<\/td>\n2.65<\/td>\n%<\/td>\n<\/tr>\n
Less adjustment of tax-exempt income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,925<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,005<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n581,134<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n303,365<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin (5)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.82<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.41<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
(1) Tax-exempt income on debt securities, equity securities and revenue bonds included in commercial real estate loans is included on a tax-equivalent basis.<\/td>\n<\/tr>\n
(2) Average balances include unrealized gains (losses) on investment securities. Dividend payments may not be consistent and average yield on equity securities may vary from month to month.<\/td>\n<\/tr>\n
(3) Loans on nonaccrual status are included in the average balances.<\/td>\n<\/tr>\n
(4) Interest rate spread represents the difference between the yield on interest-earning assets and the cost of interest-bearing liabilities.<\/td>\n<\/tr>\n
(5) Net interest margin represents net interest income (tax-equivalent basis) divided by average interest-earning assets on an actual\/actual basis.<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n BEACON FINANCIAL CORPORATION AND SUBSIDIARIES<\/strong>\n <\/td>\n<\/tr>\n
\n Non-GAAP Financial Information (Unaudited)<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n At and for the Three Months Ended
September 30,<\/strong>\n <\/td>\n		\n At and for the Nine Months Ended
September 30,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Reconciliation Table – Non-GAAP Financial Information<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reported Pretax Income<\/td>\n$<\/td>\n81,530<\/td>\n\u00a0<\/td>\n$<\/td>\n(8,401<\/td>\n)<\/td>\n$<\/td>\n234,500<\/td>\n\u00a0<\/td>\n$<\/td>\n46,675<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gain\/(Loss) – Other*<\/td>\n\u00a0<\/td>\n542<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n645<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Add:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger Day 1 CECL provision<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,415<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,415<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger and restructuring expense<\/td>\n\u00a0<\/td>\n5,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,863<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,126<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47,273<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating Pretax income<\/td>\n\u00a0<\/td>\n$<\/td>\n86,089<\/td>\n\u00a0<\/td>\n$<\/td>\n45,877<\/td>\n\u00a0<\/td>\n$<\/td>\n251,981<\/td>\n\u00a0<\/td>\n$<\/td>\n102,363<\/td>\n\u00a0<\/td>\n<\/tr>\n
Effective tax rate<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24.9<\/td>\n%<\/td>\n\u00a0<\/td>\n25.9<\/td>\n%<\/td>\n\u00a0<\/td>\n25.5<\/td>\n%<\/td>\n\u00a0<\/td>\n25.9<\/td>\n%<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,436<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,864<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64,255<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,471<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Operating earnings after tax<\/strong>\n <\/td>\n$<\/td>\n64,653<\/td>\n\u00a0<\/td>\n$<\/td>\n34,013<\/td>\n\u00a0<\/td>\n$<\/td>\n187,726<\/td>\n\u00a0<\/td>\n$<\/td>\n75,892<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating earnings per common share:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic<\/td>\n\u00a0<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n$<\/td>\n0.39<\/td>\n\u00a0<\/td>\n$<\/td>\n2.24<\/td>\n\u00a0<\/td>\n$<\/td>\n0.86<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n$<\/td>\n0.39<\/td>\n\u00a0<\/td>\n$<\/td>\n2.24<\/td>\n\u00a0<\/td>\n$<\/td>\n0.85<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average common shares outstanding during the period:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,837,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n87,508,517<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,823,440<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88,566,368<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,997,567<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n87,832,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,946,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88,998,517<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average assets **<\/td>\n\u00a0<\/td>\n1.11<\/td>\n%<\/td>\n\u00a0<\/td>\n(0.11<\/td>\n)%<\/td>\n\u00a0<\/td>\n1.04<\/td>\n%<\/td>\n\u00a0<\/td>\n0.39<\/td>\n%<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gain\/(Loss) – Other (after-tax) **<\/td>\n\u00a0<\/td>\n0.01<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n<\/tr>\n
Add:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger Day 1 CECL provision (after-tax) **<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n0.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n0.07<\/td>\n%<\/td>\n<\/tr>\n
Merger and restructuring expense (after-tax) **<\/td>\n\u00a0<\/td>\n0.07<\/td>\n%<\/td>\n\u00a0<\/td>\n0.89<\/td>\n%<\/td>\n\u00a0<\/td>\n0.08<\/td>\n%<\/td>\n\u00a0<\/td>\n0.37<\/td>\n%<\/td>\n<\/tr>\n
\n Operating return on average assets **<\/strong>\n <\/td>\n\u00a0<\/td>\n1.17<\/td>\n%<\/td>\n\u00a0<\/td>\n0.94<\/td>\n%<\/td>\n\u00a0<\/td>\n1.12<\/td>\n%<\/td>\n\u00a0<\/td>\n0.83<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible assets **<\/td>\n\u00a0<\/td>\n1.14<\/td>\n%<\/td>\n\u00a0<\/td>\n(0.11<\/td>\n)%<\/td>\n\u00a0<\/td>\n1.06<\/td>\n%<\/td>\n\u00a0<\/td>\n0.40<\/td>\n%<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gain\/(Loss) – Other (after-tax) **<\/td>\n\u00a0<\/td>\n0.01<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n<\/tr>\n
Add:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger Day 1 CECL provision (after-tax) **<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n0.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n0.07<\/td>\n%<\/td>\n<\/tr>\n
Merger and restructuring expense (after-tax) **<\/td>\n\u00a0<\/td>\n0.07<\/td>\n%<\/td>\n\u00a0<\/td>\n0.92<\/td>\n%<\/td>\n\u00a0<\/td>\n0.08<\/td>\n%<\/td>\n\u00a0<\/td>\n0.38<\/td>\n%<\/td>\n<\/tr>\n
\n Operating return on average tangible assets **<\/strong>\n <\/td>\n\u00a0<\/td>\n1.20<\/td>\n%<\/td>\n\u00a0<\/td>\n0.98<\/td>\n%<\/td>\n\u00a0<\/td>\n1.14<\/td>\n%<\/td>\n\u00a0<\/td>\n0.85<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average stockholders’ equity **<\/td>\n\u00a0<\/td>\n9.55<\/td>\n%<\/td>\n\u00a0<\/td>\n(1.01<\/td>\n)%<\/td>\n\u00a0<\/td>\n9.01<\/td>\n%<\/td>\n\u00a0<\/td>\n3.54<\/td>\n%<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gain\/(Loss) – Other (after-tax) **<\/td>\n\u00a0<\/td>\n0.06<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n0.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n<\/tr>\n
Add:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger Day 1 CECL provision (after-tax) **<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n1.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n0.60<\/td>\n%<\/td>\n<\/tr>\n
Merger and restructuring expense (after-tax) **<\/td>\n\u00a0<\/td>\n0.60<\/td>\n%<\/td>\n\u00a0<\/td>\n8.10<\/td>\n%<\/td>\n\u00a0<\/td>\n0.71<\/td>\n%<\/td>\n\u00a0<\/td>\n3.36<\/td>\n%<\/td>\n<\/tr>\n
\n Operating return on average stockholders’ equity **<\/strong>\n <\/td>\n\u00a0<\/td>\n10.09<\/td>\n%<\/td>\n\u00a0<\/td>\n8.58<\/td>\n%<\/td>\n\u00a0<\/td>\n9.69<\/td>\n%<\/td>\n\u00a0<\/td>\n7.50<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible stockholders’ equity **<\/td>\n\u00a0<\/td>\n12.02<\/td>\n%<\/td>\n\u00a0<\/td>\n(1.27<\/td>\n)%<\/td>\n\u00a0<\/td>\n11.40<\/td>\n%<\/td>\n\u00a0<\/td>\n4.47<\/td>\n%<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gain\/(Loss) – Other (after-tax) **<\/td>\n\u00a0<\/td>\n0.08<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n0.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n<\/tr>\n
Add:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger Day 1 CECL provision (after-tax) **<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n1.88<\/td>\n%<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n0.76<\/td>\n%<\/td>\n<\/tr>\n
Merger and restructuring expense (after-tax) **<\/td>\n\u00a0<\/td>\n0.75<\/td>\n%<\/td>\n\u00a0<\/td>\n10.26<\/td>\n%<\/td>\n\u00a0<\/td>\n0.90<\/td>\n%<\/td>\n\u00a0<\/td>\n4.25<\/td>\n%<\/td>\n<\/tr>\n
\n Operating return on average tangible stockholders’ equity **<\/strong>\n <\/td>\n\u00a0<\/td>\n12.69<\/td>\n%<\/td>\n\u00a0<\/td>\n10.87<\/td>\n%<\/td>\n\u00a0<\/td>\n12.27<\/td>\n%<\/td>\n\u00a0<\/td>\n9.48<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
* Driven by the sale of three buildings.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
** Ratios at and for the three months and nine months ended are annualized.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n At and for the Three Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n March 31,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n December 31,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n\n September 30<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in Thousands)<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income (loss), as reported<\/td>\n$<\/td>\n61,182<\/td>\n\u00a0<\/td>\n$<\/td>\n64,426<\/td>\n\u00a0<\/td>\n$<\/td>\n46,217<\/td>\n\u00a0<\/td>\n$<\/td>\n53,366<\/td>\n\u00a0<\/td>\n$<\/td>\n(4,221<\/td>\n)<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average total assets<\/td>\n$<\/td>\n22,044,858<\/td>\n\u00a0<\/td>\n$<\/td>\n22,040,684<\/td>\n\u00a0<\/td>\n$<\/td>\n22,135,857<\/td>\n\u00a0<\/td>\n$<\/td>\n22,644,481<\/td>\n\u00a0<\/td>\n$<\/td>\n15,210,080<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: Average goodwill and average identified intangible assets, net<\/td>\n\u00a0<\/td>\n526,015<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n532,255<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n536,900<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n546,276<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n353,189<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average tangible assets<\/td>\n$<\/td>\n21,518,843<\/td>\n\u00a0<\/td>\n$<\/td>\n21,508,429<\/td>\n\u00a0<\/td>\n$<\/td>\n21,598,957<\/td>\n\u00a0<\/td>\n$<\/td>\n22,098,205<\/td>\n\u00a0<\/td>\n$<\/td>\n14,856,891<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Return on average tangible assets (annualized)<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 1.14 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 1.20 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 0.86 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 0.97 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n (0.11<\/strong>\n <\/td>\n\n )%<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average total stockholders\u2019 equity<\/td>\n$<\/td>\n2,561,804<\/td>\n\u00a0<\/td>\n$<\/td>\n2,539,603<\/td>\n\u00a0<\/td>\n$<\/td>\n2,523,986<\/td>\n\u00a0<\/td>\n$<\/td>\n2,453,480<\/td>\n\u00a0<\/td>\n$<\/td>\n1,678,208<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: Average goodwill and average identified intangible assets, net<\/td>\n\u00a0<\/td>\n526,015<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n532,255<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n536,900<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n546,276<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n353,189<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average tangible stockholders\u2019 equity<\/td>\n$<\/td>\n2,035,789<\/td>\n\u00a0<\/td>\n$<\/td>\n2,007,348<\/td>\n\u00a0<\/td>\n$<\/td>\n1,987,086<\/td>\n\u00a0<\/td>\n$<\/td>\n1,907,204<\/td>\n\u00a0<\/td>\n$<\/td>\n1,325,019<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Return on average tangible stockholders\u2019 equity (annualized)<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 12.02 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 12.84 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 9.30 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 11.19 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n (1.27<\/strong>\n <\/td>\n\n )%<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders\u2019 equity<\/td>\n$<\/td>\n2,519,589<\/td>\n\u00a0<\/td>\n$<\/td>\n2,539,796<\/td>\n\u00a0<\/td>\n$<\/td>\n2,504,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,496,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,461,015<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n357,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n357,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n355,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n351,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n353,471<\/td>\n\u00a0<\/td>\n<\/tr>\n
Identified intangible assets, net<\/td>\n\u00a0<\/td>\n164,780<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n172,906<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n181,234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n189,562<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,339<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible stockholders’ equity<\/td>\n$<\/td>\n1,997,451<\/td>\n\u00a0<\/td>\n$<\/td>\n2,009,532<\/td>\n\u00a0<\/td>\n$<\/td>\n1,968,278<\/td>\n\u00a0<\/td>\n$<\/td>\n1,954,886<\/td>\n\u00a0<\/td>\n$<\/td>\n1,909,205<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n21,875,584<\/td>\n\u00a0<\/td>\n$<\/td>\n22,250,964<\/td>\n\u00a0<\/td>\n$<\/td>\n22,227,616<\/td>\n\u00a0<\/td>\n$<\/td>\n23,220,372<\/td>\n\u00a0<\/td>\n$<\/td>\n22,867,458<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n357,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n357,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n355,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n351,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n353,471<\/td>\n\u00a0<\/td>\n<\/tr>\n
Identified intangible assets, net<\/td>\n\u00a0<\/td>\n164,780<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n172,906<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n181,234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n189,562<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,339<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible assets<\/td>\n$<\/td>\n21,353,446<\/td>\n\u00a0<\/td>\n$<\/td>\n21,720,700<\/td>\n\u00a0<\/td>\n$<\/td>\n21,691,113<\/td>\n\u00a0<\/td>\n$<\/td>\n22,679,197<\/td>\n\u00a0<\/td>\n$<\/td>\n22,315,648<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Tangible stockholders\u2019 equity to tangible assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 9.35 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 9.25 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 9.07 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 8.62 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 8.56 <\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible stockholders’ equity<\/td>\n$<\/td>\n1,997,451<\/td>\n\u00a0<\/td>\n$<\/td>\n2,009,532<\/td>\n\u00a0<\/td>\n$<\/td>\n1,968,278<\/td>\n\u00a0<\/td>\n$<\/td>\n1,954,886<\/td>\n\u00a0<\/td>\n$<\/td>\n1,909,205<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Number of common shares issued<\/td>\n\u00a0<\/td>\n89,576,403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n89,576,403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n89,576,403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n89,576,403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n89,576,403<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Treasury shares<\/td>\n\u00a0<\/td>\n5,254,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,211,670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,548,772<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,545,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,449,039<\/td>\n\u00a0<\/td>\n<\/tr>\n
Unvested restricted shares<\/td>\n\u00a0<\/td>\n439,292<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n548,647<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n211,545<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n214,806<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n218,503<\/td>\n\u00a0<\/td>\n<\/tr>\n
Number of common shares outstanding<\/td>\n\u00a0<\/td>\n83,883,010<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,816,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,816,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,816,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,908,861<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Tangible book value per common share<\/strong>\n <\/td>\n\n $<\/strong>\n <\/td>\n\n 23.81<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 23.98<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 23.48<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 23.32<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 22.75<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n$<\/td>\n132,694<\/td>\n\u00a0<\/td>\n$<\/td>\n127,256<\/td>\n\u00a0<\/td>\n$<\/td>\n140,822<\/td>\n\u00a0<\/td>\n$<\/td>\n142,366<\/td>\n\u00a0<\/td>\n$<\/td>\n129,296<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Merger and restructuring expense<\/td>\n\u00a0<\/td>\n5,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,025<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,863<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest operating expense<\/td>\n$<\/td>\n127,593<\/td>\n\u00a0<\/td>\n$<\/td>\n127,256<\/td>\n\u00a0<\/td>\n$<\/td>\n127,797<\/td>\n\u00a0<\/td>\n$<\/td>\n127,942<\/td>\n\u00a0<\/td>\n$<\/td>\n83,433<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of identified intangible assets<\/td>\n\u00a0<\/td>\n8,126<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,328<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,328<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,587<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense for operating efficiency ratio<\/td>\n$<\/td>\n119,467<\/td>\n\u00a0<\/td>\n$<\/td>\n118,928<\/td>\n\u00a0<\/td>\n$<\/td>\n119,469<\/td>\n\u00a0<\/td>\n$<\/td>\n119,165<\/td>\n\u00a0<\/td>\n$<\/td>\n79,846<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n59.46<\/td>\n%<\/td>\n\u00a0<\/td>\n58.06<\/td>\n%<\/td>\n\u00a0<\/td>\n65.58<\/td>\n%<\/td>\n\u00a0<\/td>\n63.09<\/td>\n%<\/td>\n\u00a0<\/td>\n91.57<\/td>\n%<\/td>\n<\/tr>\n
Core efficiency ratio<\/td>\n\u00a0<\/td>\n53.54<\/td>\n%<\/td>\n\u00a0<\/td>\n54.26<\/td>\n%<\/td>\n\u00a0<\/td>\n55.64<\/td>\n%<\/td>\n\u00a0<\/td>\n52.81<\/td>\n%<\/td>\n\u00a0<\/td>\n56.55<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
A PDF accompanying this announcement is available at: http:\/\/ml.globenewswire.com\/Resource\/Download\/8505cb1c-8ada-4b5b-9b7a-c3e755affc8a<\/a><\/p>\n

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\n
\n \"\"\n <\/div>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

Net Income of\u00a0 $61.2 million , EPS of $0.73 Operating Earnings of $64.7 million , Operating EPS of $0.77 Quarterly Dividend of $0.3225 Board Increases Stock Buyback Authorization to $125 million BOSTON, Oct. 21, 2026 (GLOBE NEWSWIRE) — Beacon Financial Corporation (NYSE: BBT) (the \u201cCompany\u201d) today announced net income of $61.2 million, or $0.73 per basic and diluted share, for the third quarter of 2026, compared to $64.4 million, or $0.77 per basic and diluted share, for the second quarter of 2026, and a net loss of $(4.2) million, or $(0.05) per basic share, for the third quarter of 2025. The Company reported operating earnings after tax (non-GAAP) of $64.7 million, or $0.77 per basic and diluted share, for the … <\/p>\n

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