| $150,000–350,000 | LIBERTY HAULERS INC. | Watertown, NY | 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 | MASSEY FURNITURE BARN 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 |
| $2–5 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 | MCKINNEY INC. | EVANS MILLS, NY | Watertown Savings Bank |
| $350,000–1 million | MILLENNIUM DEVELOPMENT LLC | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | MONIQUE'S BATH SHOWROOM, INC | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | MONIQUES BATH SHOWROOM INC. | Watertown, MA | Watertown Savings Bank |
| $150,000–350,000 | MORLEY DONUTS INC | WALTHAM, MA | Watertown Savings Bank |
| $150,000–350,000 | MORRISON'S FURNITURE STORE INC. | Watertown, NY | 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 |
| $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 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 |
| $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 |
| $350,000–1 million | NORTH COUNTRY EMERGENCY MEDICAL CONSULTANT'S P.C. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | NORTH COUNTRY LIBRARY SYSTEM | 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 | NY CRAFT CONCESSIONS LLC | Syracuse, NY | Watertown Savings Bank |
| $350,000–1 million | NYTRIC ELECTRICAL CONTRACTORS LLC | Watertown, 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 |
| $350,000–1 million | OCCUPATIONAL THERAPY ASSOCIATES-WATERTOWN, INC. | NEWTON, MA | Watertown Savings Bank |
| $350,000–1 million | P&E MICROCOMPUTER SYSTEMS INC. | Watertown, 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 |
| $150,000–350,000 | PEDIATRIC ASSOCIATES OF WATERTOWN P.C. | Watertown, NY | Watertown Savings Bank |
| $350,000–1 million | PENTA AUTO BODY CO INC | WATERTOWN, MA | Watertown Savings Bank |
| $150,000–350,000 | PEPPERCORN LODGING COMPANY | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | PHILLGREY INC. | MASSENA, NY | Watertown Savings Bank |
| $150,000–350,000 | PHILLY FUELS INC. | Philadelphia, NY | Watertown Savings Bank |
| $150,000–350,000 | POWIS CONTRACTING INC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | POWIS CONTRACTING INC | Copenhagen, NY | Watertown Savings Bank |
| $150,000–350,000 | PRIMA TERRA PROPERTIES LLC | North Syracuse, 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 | 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 | PURAQUA POOL SERVICE, INC | WALTHAM, MA | Watertown Savings Bank |
| $350,000–1 million | RANGE AND CIVIL CONSTRUCTION LLC | Redwood, NY | Watertown Savings Bank |
| $350,000–1 million | RANGE AND CIVIL CONSTRUCTION, LLC | THERESA, NY | Watertown Savings Bank |
| $2–5 million | RENZI BROS. INC. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | RIVERSIDE MANAGEMENT GROUP LLC | Watertown, MA | 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 MDP | Watertown, 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 |
| $150,000–350,000 | SACKETS BOATHOUSE RESTAURANT LLC | Sackets Harbor, NY | Watertown Savings Bank |
| $150,000–350,000 | SACKETS HARBOR BREW PUB LLC | Sackets Harbor, 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 |
| $150,000–350,000 | SUNDANCE POOL N PATIO, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | THE ANTIQUE BOAT MUSEUM | Clayton, NY | Watertown Savings Bank |
| $150,000–350,000 | THE ANTIQUE BOAT MUSEUM | CLAYTON, NY | Watertown Savings Bank |
| $350,000–1 million | THE INN AT BONNIE CASTLE LLC | Alexandria Bay, NY | Watertown Savings Bank |
| $150,000–350,000 | THE INN AT BONNIE CASTLE, LLC | ALEXANDRIA BAY, NY | Watertown Savings Bank |
| $350,000–1 million | THE YOUNG CHRISTIAN MENS ASSOCIATION OF WATERTOWN NY INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | THE YOUNG CHRISTIAN MENS ASSOCIATION OF WATERTOWN NY INC. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | THOUSAND ISLANDS CLUB LLC | Alexandria Bay, NY | Watertown Savings Bank |
| $150,000–350,000 | THOUSAND ISLANDS WINERY, LLC | ALEXANDRIA BAY, NY | Watertown Savings Bank |
| $350,000–1 million | TONTARSKI, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | TOWER AND MAIN LLC | Waltham, MA | Watertown Savings Bank |
| $150,000–350,000 | TOWER AND MAIN LLC | WALTHAM, MA | Watertown Savings Bank |
| $350,000–1 million | UNCLE SAM BOAT TOURS INC. | Alexandria Bay, NY | Watertown Savings Bank |
| $150,000–350,000 | UNCLE SAM BOAT TOURS, INC. | ALEXANDRIA BAY, NY | Watertown Savings Bank |
| $350,000–1 million | VETERANS RANGE SOLUTIONS LLC | Fredericksburg, VA | Watertown Savings Bank |
| $350,000–1 million | VETERANS RANGE SOLUTIONS, LLC | FREDERICKSBURG, VA | Watertown Savings Bank |
| $350,000–1 million | VICTIMS ASSISTANCE CENTER OF JEFFERSON COUNTY, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | VOLUNTEER TRANSPORTATION CENTER INC. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | VOLUNTEER TRANSPORTATION CENTER, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | WAGON WHEEL NURSERY & FARM STAND INC. | Lexington, MA | Watertown Savings Bank |
| $350,000–1 million | WAGON WHEEL NURSERY & FARM STAND INC. | LEXINGTON, MA | Watertown Savings Bank |
| $350,000–1 million | WAITE MOTOR SALES INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | WARHORSE TRAINING SOLUTIONS LLC | Spotsylvania, VA | Watertown Savings Bank |
| $150,000–350,000 | WARHORSE TRAINING SOLUTIONS LLC | SPOTSYLVANIA, VA | Watertown Savings Bank |
| $150,000–350,000 | WASHINGTON STREET MANAGEMENT LLC | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | WASHINGTON STREET MANAGEMENT, LLC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | WATERBERRY LODGING COMPANY | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | WATERTOWN ANIMAL HOSPITAL, LLP | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | WATERTOWN AUDIOLOGY, P.C. | Watertown, NY | Watertown Savings Bank |
| $150,000–350,000 | WATERTOWN AUDIOLOGY, P.C. | WATERTOWN, NY | Watertown Savings Bank |