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RGC Resources RGCO

RGC Resources extends loan agreement

Item 1.01 Enters material agreement, Item 2.03 Takes on debt

Form
8-K
Filed
Importance
Major
  1. Amended Revolving Note with Pinnacle Bank
  2. Maturity date extended to March 31, 2029
  3. Borrowing limits set through 2029

Written from the 8-K on EDGAR. Check the filing before you rely on it.

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The reading, claim by claim

  1. The amendment extended the maturity date of a Revolving Note to March 31, 2029 and adjusted borrowing limits over the next few years.
  2. The Guaranty and other terms from previous agreements remain in effect.
  3. The filing also noted the creation of a direct financial obligation under the Revolving Note, as described in Item 1.01.
  4. This obligation is part of a long-standing loan agreement that has been amended multiple times since 2023.
  5. The Form 8-K includes exhibits such as the Second Amended and Restated Promissory Note and the Fifth Amendment to the Loan Agreement, both dated October 29, 2026.

5 of 5 claims matched the filing text.

For perspective, checked against its own source

From the 10-Q for the quarter ended June 30, 2026

  • The company's operating margin was 7.0% and net margin 3.4% for the period.

From the filing

ITEM 1.01.

ITEM 1.01.

ENTRY INTO A MATERIAL DEFINITIVE AGREEMENT

On October 29, 2026, Roanoke Gas Company, the utility subsidiary of RGC Resources, Inc. ("Resources"), amended and restated its Promissory Note ("Revolving Note") and entered into a Fifth Amendment to the Loan Agreement ("Loan Agreement") (collectively, the "Amendment") with Pinnacle Bank ("Pinnacle") originally entered on March 24, 2023 and further amended on March 31, 2024, March 31, 2025, March 17, 2026 and June 2, 20264. The Amendment extended the maturity date of the Revolving Note to March 31, 2029 and modified the maximum tiered borrowing limits of the Loan Agreement1 to the following: October 29, 2026 through September 30, 2027

$ 50,000,000

October 1, 2027 through March 31, 2028

30,000,000

April 1, 2028 through September 30, 2028

20,000,000

October 1, 2028 through March 31, 2029

30,000,000

All other terms and requirements of the Revolving Note and Loan Agreement, as previously amended, were retained.

The Guaranty previously entered into by Resources with Pinnacle remains in effect, as well as all previous representations, warranties and covenants.2

ITEM 2.03.

ITEM 2.03.

CREATION OF A DIRECT FINANCIAL OBLIGATION OR AN OBLIGATION UNDER AN OFF-BALANCE SHEET ARRANGEMENT3

The information required by this Item 2.03 is set forth in Item 1.01 above in respect of the Revolving Note, which is incorporated herein by reference.

ITEM 9.01.

ITEM 9.01.

FINANCIAL STATEMENTS AND EXHIBITS

(d) Exhibits

10.15

Second Amended and Restated Promissory Note (Revolving Loan) by Roanoke Gas Company with Pinnacle Bank, dated October 29, 2026.5

10.25

Fifth Amendment to Amended and Restated Loan Agreement by and among Roanoke Gas Company and Pinnacle Bank, dated October 29, 2026.5

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

RGC RESOURCES, INC.

Date: November 2, 2026

By:

/s/ Timothy J. Mulvaney

Timothy J. Mulvaney

Vice President, Treasurer and Chief Financial Officer

(Principal Financial Officer)

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