Emclaire Financial Corp. operates as the holding company for Farmers National Bank of Emlenton, which provides retail and commercial financial products and services in western Pennsylvania. The bank accepts time deposits, noninterest bearing and interest bearing demand deposit accounts, savings deposits, checking accounts, certificate of deposit accounts, and money market accounts. It also offers first mortgage loans secured by one –to -four family residences; home equity loans secured by single-family residences; commercial loans consisting of loans granted for commercial purposes secured by commercial or other nonresidential real estate, and secured and unsecured loans for capital assets, inventory, operations, and other commercial purposes; and consumer loans, including loans for automobile purchases, home improvements not secured by real estate, capital, and other personal expenditures, as well as unsecured revolving personal lines of credit and overdraft protection. The bank also provides investment advisory services. It primarily serves individuals and businesses. As of May 19, 2006, the bank operated 10 offices in Venango, Butler, Clarion, Clearfield, Elk, and Jefferson counties, Pennsylvania. Emclaire Financial was founded in 1900 and is headquartered in Emlenton, Pennsylvania.