| $1–2 million | SAVINGS CLUB, INC. | Doylestown, PA | Citizens & Northern Bank |
| $150,000–350,000 | SAVINGS CLUB, INC. | DOYLESTOWN, PA | Citizens & Northern Bank |
| $350,000–1 million | SCHOONOVER PLUMBING & HEATING INC. | Canton, PA | Citizens & Northern Bank |
| $350,000–1 million | SCHOONOVER PLUMBING & HEATING, INC | CANTON, PA | Citizens & Northern Bank |
| $150,000–350,000 | SCOTT MIDDENDORF CONTRACTING CO INC. | Wysox, PA | Citizens & Northern Bank |
| $150,000–350,000 | SCOTT MIDDENDORF CONTRACTING CO. INC | Wysox, PA | Citizens & Northern Bank |
| $150,000–350,000 | SDM, INC. | NEWTOWN, PA | Citizens & Northern Bank |
| $150,000–350,000 | SECURE REHABILITATION AND VOCATIONAL ENTERPRISES INC. | Monroeton, PA | Citizens & Northern Bank |
| $150,000–350,000 | SECURE REHABILITATION AND VOCATIONAL ENTERPRISES, INC. | MONROETON, PA | Citizens & Northern Bank |
| $150,000–350,000 | SILICON CARBIDE PRODUCTS INC. | Horseheads, NY | Citizens & Northern Bank |
| $150,000–350,000 | SILICON CARBIDE PRODUCTS, INC. | HORSEHEADS, NY | Citizens & Northern Bank |
| $150,000–350,000 | SML AUTOMOTIVE SERVICES INC. | SOUTHAMPTON, PA | Citizens & Northern Bank |
| $150,000–350,000 | SOLID GROUND SERVICES INC. | Troy, PA | Citizens & Northern Bank |
| $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 | STI PHARMA, LLC | NEWTOWN, PA | Citizens & Northern Bank |
| $1–2 million | STONE HILL CONTRACTING CO., INC. | DOYLESTOWN, 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 |
| $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 |
| $150,000–350,000 | THE MARLIN RESTAURANT & BAR, INC. | BEACH HAVEN, NJ | Citizens & Northern Bank |
| $350,000–1 million | THE YOUNG INDUSTRIES INC. | Muncy, PA | Citizens & Northern Bank |
| $350,000–1 million | THE YOUNG INDUSTRIES, INC. | MUNCY, 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 |
| $350,000–1 million | VALLEY TANK TESTING LLC | Apollo Beach, FL | Citizens & Northern Bank |
| $150,000–350,000 | VICEROY BUILDERS, LTD. | HORSHAM, PA | Citizens & Northern Bank |
| $150,000–350,000 | WALTERS ELKLAND CHEVROLET INC. | Elkland, PA | Citizens & Northern Bank |
| $150,000–350,000 | WALTERS ELKLAND CHEVROLET, INC. | ELKLAND, PA | Citizens & Northern Bank |
| $150,000–350,000 | WASHINGTON CROSSING COUNCIL BOY SCOUTS OF AMERICA | Doylestown, PA | Citizens & Northern Bank |
| $350,000–1 million | WATTS SERVICES LLC | Pipersville, PA | Citizens & Northern Bank |
| $350,000–1 million | WEBB COMMUNICATIONS INC | Williamsport, PA | Citizens & Northern Bank |
| $350,000–1 million | WEBB COMMUNICATIONS, INC | WILLIAMSPORT, PA | Citizens & Northern Bank |
| $350,000–1 million | WELLSBORO HOTEL COMPANY | Wellsboro, 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 | WELLSBOROUGH ELECTRIC COMPANY | Wellsboro, PA | Citizens & Northern Bank |
| $150,000–350,000 | WELLSPRING COMMUNITY SUPPORT SERVICES INC. | Mansfield, 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 |
| $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 |
| $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 | 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 |
| $150,000–350,000 | ZAVETA MILLWORK SPECIALTIES INC. | Doylestown, PA | Citizens & Northern Bank |