| $1–2 million | REMET CORPORATION | UTICA, NY | Bank of America, National Association |
| $350,000–1 million | RESCUE MISSION OF UTICA, INC. | UTICA, NY | Bank of Utica |
| $2–5 million | RISING PHOENIX HOLDINGS CORPORATION | UTICA, NY | NBT Bank, National Association |
| $150,000–350,000 | RITTER & PARATORE CONTRACTING, INC. | UTICA, NY | NBT Bank, National Association |
| $150,000–350,000 | ROBERT F JULIAN, P.C. | UTICA, NY | Bank of Utica |
| $150,000–350,000 | ROSER COMMUNICATIONS NETWORK, INC. | UTICA, NY | Adirondack Bank |
| $350,000–1 million | SARATOGA ASSETS, INC | UTICA, NY | KeyBank National Association |
| $150,000–350,000 | SAUNDERS KAHLER, L.L.P. | UTICA, NY | Adirondack Bank |
| $150,000–350,000 | SCALZO, ZOGBY & WITTIG, INC. | UTICA, NY | Adirondack Bank |
| $150,000–350,000 | SCHMALZ MECHANICAL CONTRACTORS, INC. | UTICA, NY | Bank of Utica |
| $150,000–350,000 | SMITH PACKING CO., INC. | UTICA, NY | Adirondack Bank |
| $150,000–350,000 | STEPHEN S. STARR MECHANICAL CORPORATION | UTICA, NY | Adirondack Bank |
| $350,000–1 million | STURGES MANUFACTURING CO., INC. | UTICA, NY | KeyBank National Association |
| $150,000–350,000 | SUNSET ANESTHESIA ASSOCIATES, L.L.P. | UTICA, NY | KeyBank National Association |
| $350,000–1 million | TALLMAN'S SALE & SERVICE | UTICA, NY | Bank of Utica |
| $150,000–350,000 | THE BUSINESS TRAINING INSTITUTE, INC. | UTICA, NY | NBT Bank, National Association |
| $350,000–1 million | THE COMMUNITY FOUNDATION OF HERKIMER AND ONEIDA COUNTIES INC | UTICA, NY | Bank of Utica |
| $150,000–350,000 | THE FORTUS GROUP INC. | UTICA, NY | Bank of Utica |
| $150,000–350,000 | THEA BOWMAN HOUSE INC | UTICA, NY | Adirondack Bank |
| $2–5 million | TRENTON TECHNOLOGY, INC. | UTICA, NY | NBT Bank, National Association |
| $150,000–350,000 | U S MATERIALS HANDLING CORPORATION | UTICA, NY | NBT Bank, National Association |
| $150,000–350,000 | UNITED WAY OF THE VALLEY AND GREATER UTICA AREA | UTICA, NY | Bank of Utica |
| $350,000–1 million | UPSTATE FAMILY HEALTH CENTER, INC | UTICA, NY | Adirondack Bank |
| $350,000–1 million | US CARE SYSTEMS INC. | UTICA, NY | Bank of Utica |
| $150,000–350,000 | UTICA COFFEE ROASTING, INC. | UTICA, NY | Bank of Utica |
| $1–2 million | UTICA GENERAL TRUCK CO., INC. | UTICA, NY | NBT Bank, National Association |
| $150,000–350,000 | UTICA LODGING GROUP, LLC | UTICA, NY | Tompkins Community Bank |
| $350,000–1 million | UTICA METAL PRODUCTS, INC. | UTICA, NY | Seneca Savings |
| $150,000–350,000 | UTICA ZOOLOGICAL SOCIETY, INC. | UTICA, NY | Adirondack Bank |
| $350,000–1 million | VALDOSTA CORP. | UTICA, NY | KeyBank National Association |
| $150,000–350,000 | WHITESBORO FRAME & BODY, INC. | UTICA, NY | Bank of Utica |
| $150,000–350,000 | WILLIAM A GRABER MD PC | UTICA, NY | NBT Bank, National Association |
| $350,000–1 million | WKTV, LLC | UTICA, NY | Adirondack Bank |
| $350,000–1 million | WORKFORCE DEVELOPMENT BOARD OF HERKIMER, MADISON AND ONEIDA | UTICA, NY | Adirondack Bank |
| $350,000–1 million | YWCA OF THE MOHAWK VALLEY | UTICA, NY | Bank of Utica |