The rising tide of historicism that ended Victorian free style is evident in the bank's granite walls with limestone and terra-cotta trim. The bank is given plastic interest by round corner turrets capped by shallow conical roofs that frame the pyramidal deep red tile gabled roof. Founded in 1864, the bank occupied the chief commercial corner leading to the courthouse and recalls the period when banking was local. Dilks trained in the office of Theophilus Parsons Chandler, which accounts for the refined detail. This late-nineteenth-century design reflects the shift of sophisticated taste from English to French sources, here recalling the palaces of the Loire Valley and their successive incarnations in the work of Richard Morris Hunt and, later, Bruce Price.