Midland Bank

The Midland Bank, located at 109 Union Street in Oldham, is a bank building dated 1892, designed by Thomas Taylor. It features an ashlar facade and a Welsh slate roof, showcasing a French Renaissance style. The structure consists of two storeys raised over a basement and has a four-window range facing Union Street. The outer bays are slightly advanced and form corner pavilion towers, with the entrance situated to the left.

The entrance porch is supported by polished granite Ionic columns that carry an entablature. It features a round-arched entrance with paired panelled doors. The central section has two windows divided by a shaft, with a third window in the advanced right-hand bay. The first floor has round-arched windows, with the central window having moulded architraves and pilasters with Ionic capitals, while the outer windows have plainer architraves and a simple moulded frieze.

A moulded cornice and blocking course run along the central range, positioned between the steep hipped roofs of the outer pavilion towers, which each have a shallow pediment at the cornice and are topped with wrought-iron brattishing. The return elevation to Queen Street features a similar pavilion at the far corner and a five-window range for the banking hall, divided by Ionic pilasters and full-height round-arched windows. The elevation facing Retiro Street also mirrors this style and includes a foundation stone that reads, "This building was erected by the Oldham Joint Stock Bank Limited. Commenced March 1890. Opened 22 February 1892." The basement area on the Union Street elevation is adorned with cast-iron railings that feature twisted and scrolled decoration, set on a low plinth wall.