Emclaire Financial is the holding company for the Farmers National Bank of Emlenton, which operates about a dozen branches in northwestern Pennsylvania. Serving area consumers and businesses, the bank offers standard deposit products and services, including checking and savings accounts, money market accounts, and CDs. The bank is mainly a real estate lender, with commercial mortgages, residential first mortgages, and home equity loans and lines of credit making up most of its loan portfolio. Emclaire Financial also owns title insurance and real estate settlement services provider Emclaire Settlement Services.