Emclaire Financial Corp Partially Redeems Preferred Stock Issued Under the SBLF Program

Emclaire Financial Corp Partially Redeems Preferred Stock Issued Under the
SBLF Program

EMLENTON, Pa., Sept. 17, 2013 (GLOBE NEWSWIRE) -- Emclaire Financial Corp
(Nasdaq:EMCF), the parent Company of The Farmers National Bank of Emlenton
(the "Bank"), today announced that it has redeemed $5 million, or 50% of the
$10 million in outstanding preferred shares that had been issued to the United
States Treasury Department in August 2011 through the Small Business Lending
Fund ("SBLF"). The shares were redeemed at their liquidation value of $1,000
per share plus accrued dividends. The Company continues to have $5 million in
preferred shares issued and outstanding through the SBLF program.

The partial redemption was approved by the Company's primary regulator and
will reduce the Company's annual dividend payment by approximately $250,000 at
the current dividend rate of 5.0%.Both the Company and the Bank remain
well-capitalized after completing the subject redemption.

"We were pleased to have been approved by Treasury to participate in the SBLF
program in 2011," said William C. Marsh, Chairman, President and Chief
Executive Officer of the Company and the Bank."The SBLF program afforded us
the opportunity to augment the Bank's already strong capital position and
continue our tradition of small business lending.The partial redemption is
consistent with our current capital strategy of redeeming our outstanding
preferred stock as we continue to grow earnings and capital.We remain
committed to expanding loan relationships, especially with small businesses in
the communities we serve."

Emclaire Financial Corp is the parent Company of The Farmers National Bank of
Emlenton, an independent, nationally chartered, FDIC-insured community bank
headquartered in Emlenton, Pennsylvania, currently operating thirteen full
service offices in Venango, Butler, Clarion, Clearfield, Crawford, Elk,
Jefferson and Mercer counties, Pennsylvania.The Company's common stock is
quoted on and traded through the NASDAQ Capital Market under the symbol
"EMCF."For more information, visit the Company's website at

This news release may contain forward-looking statements as defined in the
Private Securities Litigation Reform Act of 1995. Forward-looking statements
may contain words such as "believe," "expect," "anticipate," "estimate,"
"should," "may," "can," "will," "outlook," "project," "appears" or similar
expressions.Such forward-looking statements are subject to risk and
uncertainties which could cause actual results to differ materially from those
currently anticipated due to a number of factors. Such factors include, but
are not limited to, changes in interest rates which could affect net interest
margins and net interest income, the possibility that increased demand or
prices for the Company's financial services and products may not occur,
changing economic and competitive conditions, technological and regulatory
developments, and other risks and uncertainties, including those detailed in
the Company's filings with the Securities and Exchange Commission.The Company
does not undertake, and specifically disclaims any obligation to update any
forward-looking statements to reflect occurrences or unanticipated events or
circumstances after the date of such statements.

CONTACT: William C. Marsh
         Chairman, President and
         Chief Executive Officer
         Phone: (724) 867-2018
         Email: investor.relations@farmersnb.com
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