Beacon Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,089	767.55	587.93	533.74	328.77	297.93
Interest Income on Investments	108.91	65.23	40.59	43.55	16.42	13.6
Total Interest Income	1,198	832.79	628.52	577.29	345.19	311.53
Interest Paid on Deposits	376.01	280.5	232.96	175.67	29.59	20.71
Interest Paid on Borrowings	40.63	49.18	65.97	61.91	15.82	8.44
Total Interest Expense	416.64	329.68	298.94	237.58	45.42	29.16
Net Interest Income	780.88	503.11	329.59	339.71	299.77	282.37
Net Interest Income Growth	99.15%	52.65%	-2.98%	13.32%	6.16%	8.54%
Trust Income	18.43	9.75	5.99	4.62	-	-
Gain (Loss) on Sale of Investments	0.02	-0.01	0.36	1.37	0.22	-0.04
Other Non-Interest Income	33.74	14.85	8.13	11.41	12.97	12.71
Total Non-Interest Income	101.87	49.88	25.97	31.6	28.25	26.99
Non-Interest Income Growth	232.71%	92.04%	-17.79%	11.86%	4.65%	9.52%
Revenues Before Loan Losses	882.75	552.99	355.56	371.31	328.02	309.36
Provision for Loan Losses	29.92	41.38	22	37.87	8.53	-7.84
Revenue	852.83	511.61	333.56	333.44	319.49	317.2
Revenue Growth	168.08%	53.38%	0.03%	4.37%	0.72%	42.29%
Salaries and Employee Benefits	276.07	187.7	139.82	134.8	109.83	103.81
Occupancy Expenses	18.58	18.58	13.07	11.68	9.7	8.8
Federal Deposit Insurance	12.42	7.81	8.04	7.84	3.18	2.98
Amortization of Goodwill & Intangibles	33.56	15.23	6.75	7.84	0.49	0.88
Selling, General & Administrative	126.63	73.58	52.63	51.58	40.83	36.33
Other Non-Interest Expense	43.34	25.16	17.35	18.38	13.26	9.82
Total Non-Interest Expense	510.59	328.05	237.66	232.11	177.29	162.61
EBT Excluding Unusual Items	342.24	183.56	95.89	101.33	142.2	154.59
Pretax Income	309.69	121.86	91.69	93.91	139.95	154.59
Income Tax Expense	84.5	31.59	22.98	18.92	30.21	39.15
Earnings From Continuing Operations	225.19	90.27	68.72	75	109.74	115.44
Net Income	225.19	90.27	68.72	75	109.74	115.44
Net Income to Common	225.19	90.27	68.72	75	109.74	115.44
Net Income Growth	2573.84%	31.37%	-8.38%	-31.66%	-4.93%	142.34%
Basic Shares Outstanding	84	87	89	88	77	78
Diluted Shares Outstanding	84	88	89	88	77	78
Shares Change	-5.50%	-1.79%	0.96%	14.35%	-1.14%	-1.09%
EPS (Basic)	2.69	1.03	0.77	0.85	1.42	1.48
EPS (Diluted)	2.69	1.03	0.77	0.85	1.42	1.48
EPS Growth	2729.50%	33.77%	-9.41%	-40.14%	-4.05%	146.67%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.290	0.915	0.540	0.540	0.530	0.480
Dividend Growth	77.32%	69.44%	0%	1.89%	10.42%	4.35%
Effective Tax Rate	27.28%	25.92%	25.06%	20.14%	21.58%	25.33%