RGC Resources Inc.

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, 2026. The Amendment extended the maturity date of the Revolving Note to March 31, 2029 and modified the maximum tiered borrowing limits of the Loan Agreement 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.

ITEM 2.03. CREATION OF A DIRECT FINANCIAL OBLIGATION OR AN OBLIGATION UNDER AN OFF-BALANCE SHEET ARRANGEMENT 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.