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Beacon Financial Corporation
Beacon Financial Corporation (BBT) investor relations material
Beacon Financial Corporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Fourth quarter was the first full quarter post-merger, with $23.2 billion in assets, $19.5 billion in deposits, and $18 billion in loans.
Q4 2025 net income was $53.4 million ($0.64 EPS); operating earnings were $66 million ($0.79 EPS) before merger expenses and special charges.
Full-year 2025 net income was $90.3 million ($1.03 EPS); operating earnings after tax (non-GAAP) were $142.3 million ($1.63 EPS), excluding $70.1 million in merger-related charges.
Integration of the merger remains on track, with core systems conversion scheduled for February 2026.
Dividend of $0.3225 per share approved, yielding about 4.5%.
Financial highlights
Net interest income for Q4 was $199.7 million, with net interest margin at 3.82%.
Non-interest income for Q4 was $25.9 million; non-interest expense (excluding merger/restructuring) was $119.1 million.
Efficiency ratio was 56.7%; core efficiency ratio (excluding non-cash amortization) was 52.8%.
Provision for credit losses was $8.1 million, down from $20.3 million in Q3.
Tangible book value per share increased to $23.32.
Outlook and guidance
2026 EPS guidance adjusted to $3.62–$3.75 (operating), reflecting accounting changes and delayed systems conversion.
Net interest margin guidance revised to 3.85–3.95% as rates decline and curve steepens.
Expense growth expected at 3–3.5% post-cost savings realization in Q2 2026.
Loan growth projected in the mid to low single digits for 2026, with strong C&I lending and lower ICRE growth.
Effective tax rate for 2026 estimated at 26% (excluding merger/restructuring charges).
When will full merger cost synergies impact results?
Detail the Boston office loan's specific reserve
ASU 2025-08 capital and TBV impact
Capital deployment strategy post-conversion
Loan growth outlook beyond CRE runoff
Timeline for full merger synergy realization
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Next Beacon Financial Corporation earnings date
Q1 202616 Apr, 2026
Beacon Financial Corporation
Next Beacon Financial Corporation earnings date
Q1 202616 Apr, 2026
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