Emclaire Financial Corp. is a financial holding company, which engages in the provision of retail and commercial financial products and services to customers in western Pennsylvania through its wholly owned subsidiary bank, the Farmers National Bank of Emlenton. It offers residential mortgages, home equity and lines of credit, commercial real estate, commercial business, and consumer products and solutions. The firm operates through the following segments: Residential mortgages, Home equity loans and lines of credit, Commercial real estate, and Commercial business. The Residential mortgages segment provides loans to consumers utilized for the purchase, refinance or construction of a residence. The Home equity loans and lines of credit segment provides credit facilities extended to homeowners who wish to utilize the equity in their property in order to borrow funds for almost any consumer purpose. The Commercial real estate loans segments are subject to underwriting standards and processes similar to commercial loans. The Commercial business segment is a Commercial credit is extended to business customers for use in normal operations to finance working capital needs, equipment purchases or other projects. The company was founded in 1900 and is headquartered in Emlenton, PA.