| $150,000–350,000 | SOLID GROUND SERVICES INC. | TROY, PA | Citizens & Northern Bank |
| $1–2 million | SOUTHERN TIER EXPRESS, INC. | ANDOVER, NY | Citizens & Northern Bank |
| $350,000–1 million | STANLEY W. COOPER INC. | WILLOW GROVE, PA | Citizens & Northern Bank |
| $150,000–350,000 | STEPHEN J. RENZI MEDICAL, P.C. | TROY, PA | Citizens & Northern Bank |
| $150,000–350,000 | STI PHARMA, LLC | NEWTOWN, PA | Citizens & Northern Bank |
| $150,000–350,000 | STROBELS SUPPLY, INC. | HORNELL, NY | Citizens & Northern Bank |
| $1–2 million | STRONG INDUSTRIES, INC. | NORTHUMBERLAND, PA | Citizens & Northern Bank |
| $350,000–1 million | SULLIVAN COUNTY RURAL ELECTRIC COOPERATIVE, INC. | FORKSVILLE, PA | Citizens & Northern Bank |
| $1–2 million | SUSQUEHANNA COMMUNITY HEALTH AND DENTAL CLINIC, INC. | WILLIAMSPORT, PA | Citizens & Northern Bank |
| $150,000–350,000 | TE CONSTRUCTION SERVICES LLC | WARMINSTER, PA | Citizens & Northern Bank |
| $350,000–1 million | THE DENNEY ORGANIZATION, INC. | AMBLER, PA | Citizens & Northern Bank |
| $350,000–1 million | THE KEYSTONE FRICTION HINGE COMPANY | WILLIAMSPORT, PA | Citizens & Northern Bank |
| $150,000–350,000 | THE MARLIN RESTAURANT & BAR, INC. | BEACH HAVEN, NJ | Citizens & Northern Bank |
| $350,000–1 million | THOMAS E. MACKELL, M.D. LTD | DOYLESTOWN, PA | Citizens & Northern Bank |
| $150,000–350,000 | TOHICKON INTERNAL MEDICINE, LLC | DOYLESTOWN, PA | Citizens & Northern Bank |
| $350,000–1 million | VALLEY TANK TESTING L.L.C. | APOLLO BEACH, FL | Citizens & Northern Bank |
| $150,000–350,000 | WALTERS ELKLAND CHEVROLET, INC. | ELKLAND, PA | Citizens & Northern Bank |
| $350,000–1 million | WEBB COMMUNICATIONS, INC | WILLIAMSPORT, PA | Citizens & Northern Bank |
| $150,000–350,000 | WELLSBORO HOTEL COMPANY | WELLSBORO, PA | Citizens & Northern Bank |
| $150,000–350,000 | WELLSBORO SMALL ANIMAL HOSPITAL, P.C. | MIDDLEBURY CENTER, PA | Citizens & Northern Bank |
| $150,000–350,000 | WELLSPRING COMMUNITY SUPPORT SERVICES, INC. | MANSFIELD, PA | Citizens & Northern Bank |
| $150,000–350,000 | WESTERN ALLIANCE EMERGENCY SERVICES, INC. | TROY, PA | Citizens & Northern Bank |
| $350,000–1 million | WHEELAND LUMBER CO., INC. | LIBERTY, PA | Citizens & Northern Bank |
| $1–2 million | WHIPPERHILL COMPLIANCE LLC | WORLAND, WY | Citizens & Northern Bank |
| $350,000–1 million | WHITE OAK DISPLAY AND DESIGN, L.P. | PALMYRA, PA | Citizens & Northern Bank |
| $150,000–350,000 | WILLIAMSPORT PATHOLOGY ASSOCIATION | WILLIAMSPORT, PA | Citizens & Northern Bank |
| $150,000–350,000 | WINDMILL II OF BUCKS COUNTY, INC. | DOYLESTOWN, PA | Citizens & Northern Bank |
| $150,000–350,000 | WINE MARKETING GROUP, LLC | WILMINGTON, DE | Citizens & Northern Bank |
| $150,000–350,000 | WORTHINGTON & SHAGEN CUSTOM BUILDER, INC. | NEWTOWN, PA | Citizens & Northern Bank |
| $150,000–350,000 | YORK ELECTRO-MECHANICAL CORP. | YORK, PA | Citizens & Northern Bank |