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This is a branch bank with chambers above, built in 1887. It was originally for the Preston Banking Company Ltd and possibly designed by EW Johnson. In 1924, it was extended to include numbers 37 and 39 Market Street, which had likely been constructed a few years prior. The building is constructed of sandstone ashlar above a granite plinth, with slate roofs. It is designed in a Free Italianate style and comprises two distinct rectangular blocks.

The left-hand block is a two-story, two-bay structure with no windows on the front elevation. The entrance to the current banking hall is in the second bay, to the right of a flat-headed entrance to an alleyway. This block features banded rustication on the plinth and lower walls, extending up to an impost band. Above this, the plain ashlar wall has a moulded cornice with a pulvinated frieze at the level of the doorway, and a heavily decorated upper frieze featuring alternating swags of flowers, fruit, and cloth, separated by tall triglyphs. A modillion cornice carved with acanthus leaves sits above the frieze, leading to a parapet formed of square vase balusters between panelled dies, decorated with masks and scrollwork and topped by a blocking course with a wreath. The doorway has a round-headed arch with a florid keystone, set within a squared architrave. The spandrels are decorated with female figures, and the frieze extends into the ground floor cornice of the facade, featuring scrollwork and griffons. A pediment above the doorway contains scrollwork and a cartouche. Flanking the doorway, above the impost band, are square panels featuring the coats of arms of Lancaster (left) and Preston (right).

The right-hand building is three stories high with three narrow bays, and a cornice above the ground floor windows. The facade is articulated by six giant Corinthian pilasters, fluted in their lower half and rising through two stories to carry five round-headed arches below an eaves cornice. The doorway is on the right side and has a panelled door with a rectangular overlight. The ground and first floor windows are square-headed, while the second-floor windows are round-headed. Ground floor windows are recessed within moulded architraves, and the first-floor windows have cornices.

Inside, the banking hall features a rectangular lantern light with stained glass incorporating emblems from the arms of the Preston Banking Company.

Historically, the Preston Banking Company Ltd acquired premises in Market Street, and their new building was "in course of erection" in 1887. The company later became the London and Midland Bank Ltd by 1896.