| $350,000–1 million | 1003 PARK ST. INC | OGDENSBURG, NY | Watertown Savings Bank |
| $150,000–350,000 | A. CARDILLO & SON, INC. | WALTHAM, MA | Watertown Savings Bank |
| $1–2 million | ACCUTEMP ENGINEERING INC. | STONEHAM, MA | Watertown Savings Bank |
| $150,000–350,000 | ADVANCED BUSINESS SYSTEMS, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ALCOHOL AND SUBSTANCE ABUSE COUNCIL OF JEFFERSON COUNTY, INC. DBA PIVOT | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ART'S JUG, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | AUBERTINE AND CURRIER ARCHITECTS, ENGINEERS AND LAND SURVEYORS, PLLC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | BACH ENVIRONMENTAL INC. | CLAYTON, NY | Watertown Savings Bank |
| $2–5 million | BEAVERBROOK STEP, INC. | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | BENCHMARK FAMILY SERVICES, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | BENEFIT SERVICES GROUP, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | BLACK HORSE GROUP | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | BROWNELL ABSTRACT CORPORATION | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | BUONO PEST CONTROL, INC | BELMONT, MA | Watertown Savings Bank |
| $150,000–350,000 | BUTTERVILLE FARMS LLC | ADAMS, NY | Watertown Savings Bank |
| $150,000–350,000 | CAPITAL CONSTRUCTION AND DEVELOPMENT CORP. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | CAPT.'S LANDING, INC. | ALEXANDRIA BAY, NY | Watertown Savings Bank |
| $350,000–1 million | CASKINETTE, RICHARD B. | CARTHAGE, NY | Watertown Savings Bank |
| $150,000–350,000 | CGC OF ALEXANDRIA BAY | DEXTER, NY | Watertown Savings Bank |
| $350,000–1 million | CHARLES CONTRACTING CO INC. | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | CHASE AND TOLAN PLUMBING & HEATING, INC. | WATERTOWN, MA | Watertown Savings Bank |
| $2–5 million | CHILDREN'S HOME OF JEFFERSON COUNTY | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | CHRISTOPHER KOKORAS INSURANCE AGENCY INC | WINCHESTER, MA | Watertown Savings Bank |
| $150,000–350,000 | CITY STREET RESTAURANT GROUP LLC | WALTHAM, MA | Watertown Savings Bank |
| $150,000–350,000 | CLAYTON DENTAL OFFICES, PLLC | CLAYTON, NY | Watertown Savings Bank |
| $150,000–350,000 | COLEMAN ENTERPRISES, LTD. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | COMMONWEALTH GLASS AND MIRROR CORP. | WATERTOWN, MA | Watertown Savings Bank |
| $350,000–1 million | CON TECH BUILDING SYSTEMS, INC. | GOUVERNEUR, NY | Watertown Savings Bank |
| $350,000–1 million | CONBOY, MCKAY, BACHMAN & KENDALL, LLP | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | CREDO COMMUNITY CENTER FOR TREATMENT OF ADDICTIONS, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | D.E.W. BUILDERS, INC. | ADAMS CENTER, NY | Watertown Savings Bank |
| $150,000–350,000 | EMMI COMMERCE PARK DEVELOPMENT, LLC | LIVERPOOL, NY | Watertown Savings Bank |
| $150,000–350,000 | EQUIPMENT RENTALS, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | F.X. CAPRARA AUTO SALES, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | FARAH ENTERPRISES, INC. | CONCORD, MA | Watertown Savings Bank |
| $150,000–350,000 | FLYNN & CATALDO INC | CAMBRIDGE, MA | Watertown Savings Bank |
| $350,000–1 million | GILLEE'S AUTO TRUCK & MARINE, INC. | LA FARGEVILLE, NY | Watertown Savings Bank |
| $150,000–350,000 | GINGERBREAD CONSTRUCTION CO INC. | WAKEFIELD, MA | Watertown Savings Bank |
| $350,000–1 million | GOZALKOWSKI, YAUSSI, MONCRIEF | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | GUILFOYLE AMBULANCE SERVICE, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | HOLE BROTHERS HOLDINGS LLC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | HORIZON ADVISORY SERVICES, INC. | WEST HENRIETTA, NY | Watertown Savings Bank |
| $150,000–350,000 | HOWELL ENTERPRISES INC. | DEXTER, NY | Watertown Savings Bank |
| $350,000–1 million | HYDE-STONE MECHANICAL CONTRACTORS HOLDING CO., INC. | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | IGGY'S BREAD LTD | CAMBRIDGE, MA | Watertown Savings Bank |
| $150,000–350,000 | IGO'S WELDING SUPPLY CO. INC. | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | IMAI KELLER MOORE ARCHITECTS, INC. | WATERTOWN, MA | Watertown Savings Bank |
| $350,000–1 million | IMMACULATE HEART CENTRAL SCHOOL | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | INDUSTRIAL VIDEO & CONTROL CO., LLC | NEWTONVILLE, MA | Watertown Savings Bank |
| $150,000–350,000 | INTERIOR STONE, LLC | WALTHAM, MA | Watertown Savings Bank |
| $150,000–350,000 | J&R ELECTRIC, INC. | PIERREPONT MANOR, NY | Watertown Savings Bank |
| $150,000–350,000 | JAMES E. WILLIS, M.D., P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | JEFFERSON CONCRETE CORP. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | JILL E NUFFER & LEE H GILL | LA FARGEVILLE, NY | Watertown Savings Bank |
| $1–2 million | JOHNSON NEWSPAPER CORPORATION | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | JRW AUTO RENTAL INC | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | JW CONSTRUCTION, INC. | BURLINGTON, MA | Watertown Savings Bank |
| $150,000–350,000 | KRAFFT CLEANING SERVICE, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | LA FABRICA CENTRAL, LLC | CAMBRIDGE, MA | Watertown Savings Bank |
| $150,000–350,000 | LIBERTY HAULERS INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | M.B. KAYANI PHYSICIAN, P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | MARGARET ENTERPRISES, INC. | WATERTOWN, MA | Watertown Savings Bank |
| $350,000–1 million | MARRA'S HOMECARE EQUIPMENT & SUPPLIES, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | MASSEYS FURNITURE BARN INC | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | MCADAM PAINTING CO INC. | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | MCKINNEY INC. | EVANS MILLS, NY | Watertown Savings Bank |
| $150,000–350,000 | MONIQUE'S BATH SHOWROOM, INC | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | MORLEY DONUTS INC | WALTHAM, MA | Watertown Savings Bank |
| $150,000–350,000 | MORRISONS FURNITURE STORE, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | MR. GRANT CONTR, INC. | HARRISVILLE, NY | Watertown Savings Bank |
| $150,000–350,000 | NEW DAY CHILDREN'S CENTER, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | NEW ENGLAND FLAG AND BANNER COMPANY, INC. | WOBURN, MA | Watertown Savings Bank |
| $350,000–1 million | NEW ENGLAND WENDICO, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | NORTH COUNTRY EMERGENCY CONSULTANTS, P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | NORTH COUNTRY LIBRARY SYSTEM | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | NORTH COUNTRY ORTHOPAEDIC GROUP, P.C | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | NORTH COUNTRY PRENATAL/PERINATAL COUNCIL, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | NORTH COUNTRY TRANSITIONAL LIVING SERVICES, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | NORTHERN RADIOLOGY ASSOCIATES, P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | NY CRAFT CONCESSIONS | SYRACUSE, NY | Watertown Savings Bank |
| $350,000–1 million | NYTRIC ELECTRICAL CONTRACTORS, LLC | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | O.D. GREENE LUMBER CO INC. | ADAMS, NY | Watertown Savings Bank |
| $350,000–1 million | OCCUPATIONAL THERAPY ASSOCIATES-WATERTOWN, INC. | NEWTON, MA | Watertown Savings Bank |
| $150,000–350,000 | PAVERITE, INC. | COPENHAGEN, NY | Watertown Savings Bank |
| $150,000–350,000 | PEDIATRIC ASSOCIATES OF WATERT | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | PENTA AUTO BODY CO INC | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | PHILLGREY INC. | MASSENA, NY | Watertown Savings Bank |
| $150,000–350,000 | POWIS CONTRACTING, INC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | PRIMA TERRA PROPERTIES, LLC | SYRACUSE, NY | Watertown Savings Bank |
| $350,000–1 million | PSMJ RESOURCES, INC. | NEWTON, MA | Watertown Savings Bank |
| $350,000–1 million | PURAQUA POOL SERVICE, INC | WALTHAM, MA | Watertown Savings Bank |
| $350,000–1 million | RANGE AND CIVIL CONSTRUCTION, LLC | THERESA, NY | Watertown Savings Bank |
| $150,000–350,000 | RIVERSIDE MANAGEMENT GROUP, LLC | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | ROBBINS FAMILY GRAIN CO., LLC | SACKETS HARBOR, NY | Watertown Savings Bank |
| $150,000–350,000 | RONALD G. PERCIACCANTE & MARVIN S. REIMER, M.D., P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ROUTE 37 BUILDING SUPPLY INC | REDWOOD, NY | Watertown Savings Bank |
| $150,000–350,000 | RUBENZAHL, KNUDSEN & ASSOCIATES PSYCHOLO | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | S.T.A.T. COMMUNICATIONS, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | SHAW HARBOR GLOBAL SERVICES, INC. | ADAMS CENTER, NY | Watertown Savings Bank |
| $150,000–350,000 | SPECIAL AGENT SYSTEMS INC | WATERTOWN, MA | Watertown Savings Bank |