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How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
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 marked the first full quarter post-merger, with $23.2 billion in assets, $19.5 billion in deposits, and $18 billion in loans.
Net income for Q4 was $53.4 million ($0.64 EPS GAAP), with operating EPS of $0.79; dividend of $0.3225 per share declared, yielding 4.55%.
Integration of the merger is on track, with core systems conversion scheduled for February 2026.
Q4 included $14.4 million in merger-related charges; full-year merger-related charges totaled $70.1 million.
Dividend payout ratio was 41% of operating EPS.
Financial highlights
Net interest income for Q4 was $199.7 million, up 55% year-over-year; net interest margin improved to 3.82%.
Non-interest income for Q4 was $25.9 million; non-interest expense (excluding merger/restructuring) was $119.1 million.
Total revenue for Q4 was $225.6 million, up 60% year-over-year; net income was $53.4 million, up 205% from prior year.
Efficiency ratio improved to 63.09%; core efficiency ratio (excluding non-cash amortization) was 52.8%.
Tangible book value per share increased to $23.32.
Outlook and guidance
2026 operating EPS guidance is $3.62–$3.75, reflecting accounting changes and delayed systems conversion.
Net interest margin projected to expand to 3.85–3.95% as rates decline and curve steepens.
Loan growth expected in the mid to low single digits, with strong C&I lending and lower ICRE growth.
Credit costs expected to trend lower, ranging from $5–9 million per quarter.
Core system conversion in February 2026 to drive expense synergies by Q2 2026; effective tax rate estimated at 26% for 2026.
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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