Beacon Financial Corp.

Beacon Financial Corporation completed the issuance and sale of $175 million aggregate principal amount of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036 on August 20, 2026, under an automatic shelf registration (File No. 333-294016). The notes bear 6.25% fixed interest through September 1, 2031, then convert to a floating rate, are unsecured subordinated obligations, with U.S. Bank Trust Company as trustee. The financing strengthens Beacon Financial's regulatory capital base; the fixed-to-floating structure manages interest rate risk post-2031 but introduces floating rate exposure.

Beacon Financial Corporation (BBT) is offering $175 million in 6.25% fixed-to-floating rate subordinated notes due 2036 via a 424B5 prospectus supplement filed August 19, 2026. The notes pay a fixed 6.25% coupon initially, then convert to a floating rate tied to SOFR plus a spread at a specified date. These subordinated notes rank below senior creditors but above equity, and are structured to qualify as Tier 2 regulatory capital for bank holding companies, strengthening Beacon's capital ratios. At 6.25%, the coupon reflects current bank sub-debt credit spreads; the fixed-to-floating structure provides flexibility across rate environments.

Beacon Financial Corporation filed a preliminary 424B5 prospectus supplement for an offering of fixed-to-floating rate subordinated notes due 2036, with the dollar amount and interest rate left blank pending pricing. Notes will bear a fixed rate through approximately 2031, then switch to Three-Month Term SOFR plus a spread; they are unsecured, subordinated to all senior debt, and will not be listed on any exchange. As a preliminary filing, specific size and rate are not yet determined. Once priced, this will represent new subordinated debt for Beacon Financial (bank holding company for Beacon Bank & Trust in Massachusetts).

Beacon Financial Corporation (BBT) filed an 8-K on August 13, 2026 under Item 7.01 (Regulation FD), furnishing a public investor communication — likely a presentation or investor update — in compliance with Reg FD. The excerpt is the cover page; the actual disclosure is in the attached exhibit. Beacon Financial is a community bank holding company. This is a routine compliance filing to ensure simultaneous public access to investor materials.

One Reporting filed a Form 3 reporting initial beneficial ownership of BBT securities. The form establishes the reporting person's baseline ownership position. Form 3 must be filed within 10 days of becoming a director, officer, or 10%-or-greater shareholder. This is an administrative filing that anchors future insider-transaction reporting for BBT.

BBT announced a leadership Departure involving Certain Officers, who serves as Director. Compensation Committee of the Board (the “Committee”). Item 5.02 mandates timely disclosure of executive and director transitions, which can significantly affect BBT's strategic direction and investor confidence.

Beacon Financial Corporation filed an 8-K on July 29, 2026 under Items 2.02 and 7.01 to report its second-quarter 2026 financial results and to furnish supplemental information. The company, a Boston-based financial institution, also disclosed a quarterly cash dividend of $0.3225 per share, payable in connection with Q2 results. The financial results press release and any supplemental materials are furnished as exhibits and not deemed 'filed' for Exchange Act liability purposes. The filing reflects Beacon Financial's routine quarterly earnings disclosure and dividend announcement.