| $150,000–350,000 | REARDON MACHINE COMPANY, INC. | SAINT JOSEPH, MO | Commerce Bank |
| $1–2 million | REED CHEVROLET, LLC | SAINT JOSEPH, MO | Ally Bank |
| $350,000–1 million | REED MOTORS STJ, LLC | SAINT JOSEPH, MO | Ally Bank |
| $150,000–350,000 | RENT-ALL EQUIPTMENT COMPANY, INCORPORATED OF ST. JOSEPH, MIS | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $150,000–350,000 | RETRO-TECH, INC. | SAINT JOSEPH, MO | Commerce Bank |
| $150,000–350,000 | RITCHIE, SOPER & SCHUTT, LLC | SAINT JOSEPH, MO | Commerce Bank |
| $350,000–1 million | RITEPACK, INC. | SAINT JOSEPH, MO | First Option Bank |
| $150,000–350,000 | RJM GROCERY, INC. | SAINT JOSEPH, MO | First Option Bank |
| $350,000–1 million | ROBERTS ROOFING CO., INC. | SAINT JOSEPH, MO | First Option Bank |
| $150,000–350,000 | SCOTT GANN CONSTRUCTION INC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $1–2 million | SEAMAN & SCHUSKE METAL WORKS COMPANY | SAINT JOSEPH, MO | U.S. Bank, National Association |
| $150,000–350,000 | SECOND HARVEST COMMUNITY FOOD BANK | SAINT JOSEPH, MO | Commerce Bank |
| $350,000–1 million | SHAMRAD METAL FABRICATORS INC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $150,000–350,000 | SHOW-ME INDUSTRIAL CONTROLS, INC. | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $350,000–1 million | SPECIALIZED SUPPORT SERVICES, INC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $150,000–350,000 | SPECIALTY INDUSTRIES OF ST. JOSEPH INC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $350,000–1 million | SPEEDY CONVENIENCE INC | SAINT JOSEPH, MO | Equity Bank |
| $350,000–1 million | SPRAGUE EXCAVATING COMPANY, INC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $150,000–350,000 | SPRINT LUMBER INC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $350,000–1 million | ST JOE PETROLEUM CO INC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $350,000–1 million | ST JOSEPH CENTER FOR OUTPATIENT SURGERY LLC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $1–2 million | ST JOSEPH TOBACCO CO | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $150,000–350,000 | ST. FRANCIS XAVIER CATHOLIC CHURCH, SJ | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $150,000–350,000 | ST. JOE MOTORCYCLE INC | SAINT JOSEPH, MO | UMB Bank, National Association |
| $350,000–1 million | ST. JOSEPH PLUMBING & HEATING, INC. | SAINT JOSEPH, MO | First Option Bank |
| $350,000–1 million | ST. JOSEPH SENIOR LIVING | SAINT JOSEPH, MO | Hawthorn Bank |
| $150,000–350,000 | ST. JOSEPH TRACTOR, INC. | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $350,000–1 million | ST. PAUL LUTHERAN CHURCH OF ST. JOSEPH, MISSOURI | SAINT JOSEPH, MO | Commerce Bank |
| $350,000–1 million | STARR BURN ENTERPRISES, INC. | SAINT JOSEPH, MO | Commerce Bank |
| $150,000–350,000 | SUMNER CARTER HARDY & SCHWICHTENBERG, PC | SAINT JOSEPH, MO | Commerce Bank |
| $350,000–1 million | SUNSHINE ELECTRONIC DISPLAY CORPORATION | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $150,000–350,000 | SUSAN C CHARLES DDS LLC | SAINT JOSEPH, MO | UMB Bank, National Association |
| $150,000–350,000 | TILTON, THOMAS & MORGAN, INC. | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $1–2 million | TREXCON, INC. | SAINT JOSEPH, MO | Bank of Weston |
| $150,000–350,000 | TRIGGERFISH CORPORATION | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $350,000–1 million | UNITED CEREBRAL PALSY OF NORTHWEST MISSOURI | SAINT JOSEPH, MO | Commerce Bank |
| $150,000–350,000 | UNITY HOME INC | SAINT JOSEPH, MO | The Nodaway Valley Bank |
| $350,000–1 million | VAN-AM TOOL & ENGINEERING, LLC | SAINT JOSEPH, MO | UMB Bank, National Association |
| $2–5 million | VANESSA WHITBY | SAINT JOSEPH, MO | Commerce Bank |
| $350,000–1 million | VEDCO, INC. | SAINT JOSEPH, MO | Union Bank and Trust Company |
| $150,000–350,000 | YOUNG MEN'S CHRISTIAN ASSOCIATION OF ST. JOSEPH, MISSOURI | SAINT JOSEPH, MO | Security Bank of Kansas City |
| $350,000–1 million | YOUNG WOMEN'S CHRISTIAN ASSOCIATION OF ST. JOSEPH, MISSOURI | SAINT JOSEPH, MO | Commerce Bank |