| $350,000–1 million | ARENA HOTEL CORP | BINGHAMTON, NY | Tioga State Bank |
| $350,000–1 million | BARNEY & DICKENSON, INC | VESTAL, NY | Tioga State Bank |
| $350,000–1 million | BATES TROY INC | BINGHAMTON, NY | Tioga State Bank |
| $150,000–350,000 | BOB MURPHY, INC. | VESTAL, NY | Tioga State Bank |
| $150,000–350,000 | BRINKLEY PARTNERS LLC | BINGHAMTON, NY | Tioga State Bank |
| $350,000–1 million | BURR TRUCK & TRAILER SALES INC | VESTAL, NY | Tioga State Bank |
| $150,000–350,000 | BUTLER AUTO SALES, INC. | SIDNEY, NY | Tioga State Bank |
| $150,000–350,000 | COMPASSIONATE CARE OF CENTRAL NEW YORK, INC | ENDICOTT, NY | Tioga State Bank |
| $1–2 million | COUGHLIN & GERHART, LLP | BINGHAMTON, NY | Tioga State Bank |
| $150,000–350,000 | CUSTOM SYSTEMS INTEGRATION | ENDICOTT, NY | Tioga State Bank |
| $1–2 million | ENDWELL FAMILY PHYSICIANS, LLP | ENDICOTT, NY | Tioga State Bank |
| $150,000–350,000 | FACULTY-STUDENT ASSOCIATION OF BROOME COMMUNITY COLLEGE, INC. | BINGHAMTON, NY | Tioga State Bank |
| $150,000–350,000 | FRANK P KANE CONSTRUCTION, INC | VESTAL, NY | Tioga State Bank |
| $150,000–350,000 | GEOWEB3D, INC. | VESTAL, NY | Tioga State Bank |
| $150,000–350,000 | GITTO AND NIEFER LLP | BINGHAMTON, NY | Tioga State Bank |
| $150,000–350,000 | GREENSCENE LAWN AND GARDEN INC | ITHACA, NY | Tioga State Bank |
| $150,000–350,000 | HAEFELE TV, INC. | SPENCER, NY | Tioga State Bank |
| $150,000–350,000 | HOSPICE OF CHENANGO COUNTY, INC. | NORWICH, NY | Tioga State Bank |
| $150,000–350,000 | INDIAN VALLEY INDUSTRIES NEW YORK, INC. | BINGHAMTON, NY | Tioga State Bank |
| $150,000–350,000 | J & R UPHOLSTERY SHOPPE INC | BINGHAMTON, NY | Tioga State Bank |
| $350,000–1 million | KEYSTONE ASSOCIATES ARCHITECTS ENGINEERS AND SURVEYORS, LLC | BINGHAMTON, NY | Tioga State Bank |
| $1–2 million | LALOR DENTAL, LLC | VESTAL, NY | Tioga State Bank |
| $150,000–350,000 | LCP GROUP, INC. | VESTAL, NY | Tioga State Bank |
| $150,000–350,000 | LITTLE VENICE RESTAURANT, INC. | BINGHAMTON, NY | Tioga State Bank |
| $1–2 million | MID-STATE RACEWAY, INC | VERNON, NY | Tioga State Bank |
| $350,000–1 million | NEW VISION INDUSTRIES, INC. | APALACHIN, NY | Tioga State Bank |
| $150,000–350,000 | NG GROWERS, INC. | ENDICOTT, NY | Tioga State Bank |
| $150,000–350,000 | NORTHEAST PLATE GLASS CORP | BINGHAMTON, NY | Tioga State Bank |
| $150,000–350,000 | PALMER MOBILE HOMES INC. | WAVERLY, NY | Tioga State Bank |
| $150,000–350,000 | PHIL'S CHICKEN HOUSE INC | ENDICOTT, NY | Tioga State Bank |
| $150,000–350,000 | PJF ENTERPRISES, INC. | OWEGO, NY | Tioga State Bank |
| $150,000–350,000 | PLEASANT VALLEY ELECTRIC, INC | ITHACA, NY | Tioga State Bank |
| $350,000–1 million | R. B. ROBINSON CONTRACTING, INC. | CANDOR, NY | Tioga State Bank |
| $350,000–1 million | RAYMOND HADLEY CORP | SPENCER, NY | Tioga State Bank |
| $150,000–350,000 | RURAL HEALTH NETWORK OF SOUTH CENTRAL NEW YORK, INC. | BINGHAMTON, NY | Tioga State Bank |
| $150,000–350,000 | SAM A. LUPO & SONS, INC. | ENDICOTT, NY | Tioga State Bank |
| $350,000–1 million | SMITH SITE DEVELOPMENT SOUTH, LLC | BINGHAMTON, NY | Tioga State Bank |
| $350,000–1 million | SMITH SITE DEVELOPMENT, LLC | BINGHAMTON, NY | Tioga State Bank |
| $2–5 million | SOUTHERN TIER INDEPENDENCE CENTER, INC. | BINGHAMTON, NY | Tioga State Bank |
| $350,000–1 million | TAYLOR GARBAGE SERVICE, INC. | VESTAL, NY | Tioga State Bank |
| $150,000–350,000 | THE SMILE DESIGNERS | ENDICOTT, NY | Tioga State Bank |
| $350,000–1 million | TOOLROOM EXPRESS, INC. | CONKLIN, NY | Tioga State Bank |
| $150,000–350,000 | TRI-COUNTY REFRIGERATION, INC | OWEGO, NY | Tioga State Bank |
| $150,000–350,000 | TSMITH ENTERPRISES, INC. | OWEGO, NY | Tioga State Bank |
| $350,000–1 million | VERGASON TECHNOLOGY, INC. | VAN ETTEN, NY | Tioga State Bank |
| $150,000–350,000 | VISTA PROPERTY MANAGEMENT LLC | BINGHAMTON, NY | Tioga State Bank |
| $150,000–350,000 | W & D SMITH & SONS CONSTRUCTIO | BINGHAMTON, NY | Tioga State Bank |
| $350,000–1 million | WILSON DENTAL, PC | BINGHAMTON, NY | Tioga State Bank |