| $150,000–350,000 | ADVANCED BUSINESS SYSTEMS, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | AFGRITECH, LLC | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | ALCOHOL AND SUBSTANCE ABUSE COUNCIL OF JEFFERSON COUNTY, INC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ART'S 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 | BENCHMARK FAMILY SERVICES, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | BENEFIT SERVICES GROUP, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | BERNIER, CARR & ASSOCIATES, ENGINEERS, ARCHITECTS AND LAND S | WATERTOWN, NY | Community Bank, National Association |
| $350,000–1 million | BLACK HORSE GROUP | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | BOLTON'S PHARMACY, INC. | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | BROWNELL ABSTRACT CORPORATION | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | CANI PT OT SLP & PSYCHOLOGY PLLC | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | CHENEY TIRE INC | WATERTOWN, NY | Community Bank, National Association |
| $2–5 million | CHILDREN'S HOME OF JEFFERSON COUNTY | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | COLEMAN ENTERPRISES, LTD. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | CONBOY, MCKAY, BACHMAN & KENDALL, LLP | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | CREDO COMMUNITY CENTER FOR TREATMENT OF ADDICTIONS, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | D.C. BUILDING SYSTEMS, INC. | WATERTOWN, NY | Community Bank, National Association |
| $350,000–1 million | DAVIDSON CHEVROLET CADILLAC, INC. | WATERTOWN, NY | NBT Bank, National Association |
| $350,000–1 million | DAVIDSON FORD, INC. | WATERTOWN, NY | NBT Bank, National Association |
| $350,000–1 million | DISABLED PERSONS ACTION ORGANIZATION INC. | WATERTOWN, NY | KeyBank National Association |
| $150,000–350,000 | DOLDO BROTHERS, INC. | WATERTOWN, NY | KeyBank National Association |
| $150,000–350,000 | EQUIPMENT RENTALS, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | EZ STAK LLC | WATERTOWN, NY | BMO Bank National Association |
| $350,000–1 million | F.X. CAPRARA AUTO SALES, INC. | WATERTOWN, NY | 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 |
| $1–2 million | HI-LITE AIRFIELD SERVICES, LLC | WATERTOWN, NY | Byline Bank |
| $150,000–350,000 | HOLE BROTHERS HOLDINGS, LLC | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | HOSPICE OF JEFFERSON COUNTY INC. | WATERTOWN, NY | KeyBank National Association |
| $350,000–1 million | HYDE-STONE MECHANICAL CONTRACTORS HOLDING CO., INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | IMMACULATE HEART CENTRAL SCHOOL | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | J. HILL GLASS, INC. | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | JAMES E. WILLIS, M.D., P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | JEFFERSON ANESTHESIOLOGIST SERVICES, P.C. | WATERTOWN, NY | KeyBank National Association |
| $350,000–1 million | JEFFERSON CONCRETE CORP. | 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 |
| $150,000–350,000 | KRAFFT CLEANING SERVICE, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | LIBERTY HAULERS INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | LONG-PARK TIRE, INC. | WATERTOWN, NY | Community Bank, National Association |
| $350,000–1 million | M.B. KAYANI PHYSICIAN, P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | MARRA'S HOMECARE EQUIPMENT & SUPPLIES, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | MASSEYS FURNITURE BARN INC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | MEADE OPTICIANS, INC. | WATERTOWN, NY | KeyBank National Association |
| $150,000–350,000 | MORRISONS FURNITURE STORE, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | NEIGHBORS OF WATERTOWN INC. | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | NEPHROLOGY ASSOCIATES OF WATERTOWN P.C. | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | NEW DAY CHILDREN'S CENTER, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | NEW ENGLAND WENDICO, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | NORTH AMERICAN TAPES LLC | WATERTOWN, NY | KeyBank National Association |
| $350,000–1 million | NORTH COUNTRY EMERGENCY CONSULTANTS, P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $1–2 million | NORTH COUNTRY FAMILY HEALTH CENTER INC. | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | NORTH COUNTRY LIBRARY SYSTEM | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | NORTH COUNTRY NEUROLOGY | WATERTOWN, NY | KeyBank National Association |
| $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 | NORTHERN REGIONAL CENTER FOR INDEPENDENT LIVING, INC. | WATERTOWN, NY | KeyBank National Association |
| $350,000–1 million | NYTRIC ELECTRICAL CONTRACTORS, LLC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ORAL SURGERY OF NNY | WATERTOWN, NY | Northern CU |
| $150,000–350,000 | P.L. GAETANO TRANSPORTATION, INC. | WATERTOWN, NY | KeyBank National Association |
| $150,000–350,000 | PALA WOOD SERVICES COMPANY, IN | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | PEDIATRIC ASSOCIATES OF WATERT | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | PLANNED PARENT HOOD OF NORTH COUNTRY NEW YORK, INC. | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | POWIS CONTRACTING INC | WATERTOWN, NY | Watertown Savings Bank |
| $2–5 million | PURCELL CONSTRUCTION CORP. | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | RONALD G. PERCIACCANTE & MARVIN S. REIMER, M.D., P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | ROTH GLOBAL PLASTICS INC. | WATERTOWN, NY | KeyBank National Association |
| $350,000–1 million | ROTH INDUSTRIES, INC. | WATERTOWN, NY | KeyBank National Association |
| $150,000–350,000 | RRB, INC. | WATERTOWN, NY | Community Bank, National Association |
| $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 |
| $1–2 million | SAMARITAN MEDICAL PRACTICE, P.C. | WATERTOWN, NY | KeyBank National Association |
| $150,000–350,000 | ST. LAWRENCE VALLEY EDUCATIONAL TELEVISION COUNCIL INC. | WATERTOWN, NY | KeyBank National Association |
| $150,000–350,000 | SUNDANCE POOL N PATIO, INC. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | TAYLOR CONCRETE PRODUCTS, INC. | WATERTOWN, NY | Community Bank, National Association |
| $2–5 million | THE STEBBINS ENGINEERING AND MANUFACTURING COMPANY | WATERTOWN, NY | KeyBank National Association |
| $350,000–1 million | THE YOUNG CHRISTIAN MENS ASSOCIATION OF WATERTOWN NY INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | TONTARSKI, INC. | WATERTOWN, NY | 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 |
| $350,000–1 million | WAITE MOTOR SALES INC. | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | WALLDROFF FARM EQUIP., INC. | WATERTOWN, NY | Community Bank, National Association |
| $150,000–350,000 | WASHINGTON STREET MANAGEMENT, LLC | 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 DENTAL HEALTH GROUP | WATERTOWN, NY | Watertown Savings Bank |
| $350,000–1 million | WATERTOWN INTERNISTS, P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | WATERTOWN PEDIATRICS, P.C. | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | WATERTOWN URGENT CARE, PLLC | WATERTOWN, NY | Watertown Savings Bank |
| $150,000–350,000 | WER YELLOW CAB OF WATERTOWN INC. | WATERTOWN, NY | KeyBank National Association |
| $350,000–1 million | WHITE'S LUMBER, INC. | WATERTOWN, NY | NBT Bank, National Association |
| $150,000–350,000 | WILCOX ENTERPRISES, INC. | WATERTOWN, NY | Watertown Savings Bank |