---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-019526"
form_type: "8-K"
ticker: "RGCO"
cik: "0001069533"
company_name: "RGC RESOURCES INC"
filed_at: "2026-06-04T18:15:01+00:00"
generated_at: "2026-06-04T18:16:08.912265+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.4
calibrated_materiality_score: 0.4
confidence: "high"
source: SEC EDGAR
---

# RGC Resources subsidiary enters $15M delayed-draw note, fixes rate at 5.13% via swap

## Summary
- Roanoke Gas Co. signed $15M unsecured delayed-draw promissory note with Pinnacle Bank on June 2, 2026.
- Note bears interest at Term SOFR + 100 bps; interest rate swap effectively fixes annual rate at 5.13%.
- Proceeds to be drawn by Aug 20, 2026 to repay a maturing note; principal due Aug 20, 2029.
- RGC Resources' existing guaranty and all other loan terms remain in effect.

## SEC filing metadata
- accession: 0001437749-26-019526
- form_type: 8-K
- ticker: RGCO
- cik: 0001069533
- company_name: RGC RESOURCES INC
- filed_at: 2026-06-04T18:15:01+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.4
- calibrated_materiality_score: 0.4
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1069533/000143774926019526/0001437749-26-019526-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1069533/000143774926019526/rgco20260603_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-019526
- JSON: https://secwatch.observer/filing/0001437749-26-019526.json
- Plain text: https://secwatch.observer/filing/0001437749-26-019526.txt

## Key facts
- Debt Financings
  RGC RESOURCES INC incurred loan of $15,000,000 with Pinnacle Bank at Term SOFR plus 100 basis points maturing August 20, 2029.
  - Instrument: loan
  - Principal: $15,000,000
  - Counterparty: Pinnacle Bank
  - Rate: Term SOFR plus 100 basis points
  - Maturity: August 20, 2029
  - Event: incurrence
  source text: On June 2, 2026, Roanoke Gas Company ("Roanoke"), the utility subsidiary of RGC Resources, Inc. ("Resources"), entered into an unsecured delayed-draw Promissory Note in the principal amount of $15,000,000 ("Note") through a Fourth Amendment to the Loan Agreement ("Loan Agreement") with Pinnacle Bank ("Pinnacle") originally entered on March 24, 2023 and further amended on March 31, 2024, March 31, 2025 and March 17, 2026.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1069533/000143774926019526/0001437749-26-019526-index.htm
- Material Agreements
  RGC RESOURCES INC entered into Note with Pinnacle Bank valued at $15,000,000 (effective 2026-06-02).
  - Action: entry
  - Agreement: credit facility
  - Counterparty: Pinnacle Bank
  - Value: $15,000,000
  - Effective: 2026-06-02
  source text: On June 2, 2026, Roanoke Gas Company (“Roanoke”), the utility subsidiary of RGC Resources, Inc. (“Resources”), entered into an unsecured delayed-draw Promissory Note in the principal amount of $15,000,000 (“Note”) through a Fourth Amendment to the Loan Agreement ("Loan Agreement") with Pinnacle Bank (“Pinnacle”) originally entered on March 24, 2023 and further amended on March 31, 2024, March 31, 2025 and March 17, 2026.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1069533/000143774926019526/0001437749-26-019526-index.htm
- Material Agreements
  RGC RESOURCES INC amended Loan Agreement with Pinnacle Bank (effective 2026-06-02).
  - Action: amendment
  - Agreement: credit facility
  - Counterparty: Pinnacle Bank
  - Effective: 2026-06-02
  source text: On June 2, 2026, Roanoke Gas Company (“Roanoke”), the utility subsidiary of RGC Resources, Inc. (“Resources”), entered into an unsecured delayed-draw Promissory Note in the principal amount of $15,000,000 (“Note”) through a Fourth Amendment to the Loan Agreement ("Loan Agreement") with Pinnacle Bank (“Pinnacle”) originally entered on March 24, 2023 and further amended on March 31, 2024, March 31, 2025 and March 17, 2026.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1069533/000143774926019526/0001437749-26-019526-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.