National Westminster Bank And St Andrews Chambers And Union Bank Chambers

This building comprises a bank and offices, constructed between 1899 and 1900 by HC Scaping for the Union of London and Smiths Bank Limited. It is built of sandstone ashlar facing, with red brick to the exposed gables and rear, and has a Welsh slate roof. The architectural style is Edwardian Classical, featuring a rectangular plan with a canted angle to the street corner.

The two-storey structure with an attic has an irregular four-bay facade facing Riby Square and a three-bay facade facing Cleethorpe Road. The ground floor features a moulded plinth, rusticated panels below a sill string course, and rusticated quoins to the first floor. A projecting single-storey porch, with a balcony above, marks the street corner entrance. Separate entrances lead to the upper-level offices located in the far left and right bays of each front. The corner entrance is above a carved panel reading “LINCOLN BANK, GRIMSBY BRANCH,” while the Cleethorpe Road entrance displays “ST ANDREWS CHAMBERS” and a carved shield dated 1900. The Riby Square entrance has a radial fanlight, a 5-pane overlight, and a carved panel with a cartouche, fronds, and the inscription "UNION BANK CHAMBERS."

Between the entrances are arcaded sections with Doric columns supporting windows with plate-glass lower sections and upper sections with glazing bars. An entablature runs along the first-floor level, with 20th-century nameboards attached. Above the corner porch is a balustraded balcony and a Venetian window with a tall keystone rising to the eaves. Side bays have architraved sashes with dripmoulds. First-floor windows are predominantly 6/6 or 4/6 sashes. A deep moulded and modillioned eaves cornice is present, as are prominent downpipes with shaped rainwater-heads. A Mansard roof features pedimented 6/6 dormer sashes. The building’s ridges are defined by corniced ashlar stacks and coped gables.

The interior retains original features, including a banking hall with a single octagonal rusticated column, a coffered ceiling with a modillioned cornice, panelled walls, a dado rail, window architraves, and a wooden chimneypiece inscribed with a date and company cypher. A panelled internal porch contains a brass memorial plaque commemorating the First World War. The entrance hall to St Andrews Chambers features a cantilevered staircase with a wrought-iron balustrade and swept handrail, while the staircase to Union Chambers is plainer.