| $350,000–1 million | 1003 PARK ST. INC | OGDENSBURG, NY | Watertown Savings Bank |
| $150,000–350,000 | 1017 COFFEEN STREET INC. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | A. CARDILLO & SON, INC. | WALTHAM, MA | Watertown Savings Bank |
| $150,000–350,000 | A. CARDILLO & SONS 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 | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ARCHON INC | Watertown, MA | Watertown Savings Bank |
| $150,000–350,000 | ART'S JUG, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ARTS JUG INC. | Watertown, NY | Watertown Savings Bank |
| $350,000–1 million | AUBERTINE AND CURRIER ARCHITECTS, ENGINEERS AND LAND SURVEYO | 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 |
| $350,000–1 million | BELLA BISTRO LLC | Clayton, NY | Watertown Savings Bank |
| $150,000–350,000 | BENCHMARK FAMILY SERVICES INC. | Watertown, NY | 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 | BLACK HORSE GROUP L.L.C. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | BROWNELL ABSTRACT CORPORATION | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | BUCKLEY ROAD DEVELOPMENT COMPANY | Liverpool, 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 |
| $350,000–1 million | CAPT'S LANDING INC. | Alexandria Bay, 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 | CITIZENS TELEPHONE COMPANY OF HAMMOND, NEW YORK, INC | HAMMOND, NY | Watertown Savings Bank |
| $150,000–350,000 | CITY STREET RESTAURANT GROUP LLC | WALTHAM, MA | Watertown Savings Bank |
| $350,000–1 million | CITY STREETS 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 | CLAYTON DENTAL OFFICES, PLLC | CLAYTON, NY | Watertown Savings Bank |
| $350,000–1 million | CLIPPER INN LTD. | Clayton, NY | Watertown Savings Bank |
| $350,000–1 million | COLEMAN ENTERPRISES LTD. | Watertown, 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 |
| $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 |
| $350,000–1 million | CORNELL COOPERATIVE EXTENSION ASSOCIATION OF JEFFERSON COUNT | 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 | D.E.W. BUILDERS, INC. | ADAMS CENTER, NY | Watertown Savings Bank |
| $150,000–350,000 | DI PRINZIO'S LLC | Clayton, NY | Watertown Savings Bank |
| $150,000–350,000 | DOMENIC MAIONE ITALIAN BAKERY INC | Waltham, MA | Watertown Savings Bank |
| $350,000–1 million | EMMI COMMERCE PARK DEVELOPMENT CO. | Liverpool, NY | Watertown Savings Bank |
| $150,000–350,000 | EMMI COMMERCE PARK DEVELOPMENT CO. | LIVERPOOL, NY | Watertown Savings Bank |
| $150,000–350,000 | EQUIPMENT RENTALS, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ETNA DEVELOPMENT CO. | Liverpool, NY | Watertown Savings Bank |
| $350,000–1 million | F.X. CAPRARA AUTO SALES 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 | FORT DRUM REGIONAL HEALTH PLANNING ORGANIZATION INC. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | FOXY'S RIVERFRONT LLC | Fishers Landing, NY | Watertown Savings Bank |
| $150,000–350,000 | GFG RESTAURANT GROUP INC. | Alexandria Bay, NY | 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 |
| $350,000–1 million | GYMO ARCHITECTURE ENGINEERING & LAND SURVEYING DPC | Watertown, NY | Watertown Savings Bank |
| $350,000–1 million | HOLE BROTHERS HOLDINGS, LLC | 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 | HOTEL 45 INC. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | HOWELL ENTERPRISES INC. | DEXTER, 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 |
| $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 | IGO'S WELDING SUPPLY INC. | Watertown, MA | Watertown Savings Bank |
| $150,000–350,000 | IMAI KELLER MOORE ARCHITECTS 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 | IMMACULATE HEART CENTRAL SCHOOL | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | INDUSTRIAL VIDEO & CONTROL CO. LLC | Newtonville, MA | 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 | 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 | 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 |
| $150,000–350,000 | JAMES E. WILLIS, M.D., P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | JAMES TAGUE | Alexandria Bay, 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 |
| $2–5 million | JOHNSON NEWSPAPER CORPORATION | Watertown, 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 |
| $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 |
| $350,000–1 million | LA FABRICA CENTRAL, LLC | Cambridge, MA | Watertown Savings Bank |
| $150,000–350,000 | LA FABRICA CENTRAL, LLC | CAMBRIDGE, MA | Watertown Savings Bank |