40-42 Victoria Street (former Royal Bank of Scotland), Newton Stewart

40-42 Victoria Street, formerly the Royal Bank of Scotland, is a three-storey building designed in the Baronial style, constructed in 1873. The main façade facing Victoria Street is asymmetrical, featuring a second bay from the left that is slightly projected and topped with a crowstepped gable. The roofs are covered with slate and include crowstepped gables at the ends and rear, along with tall corniced stacks at both ends and along the ridge.

The walls are made of red sandstone ashlar, accented with cream sandstone dressings, quoins, and band courses. The end bays have entrances at ground level framed in cream sandstone. The southern entrance is topped with a gablet and has a double-leaf panelled door, while the northern entrance features a consoled balcony above and a panelled door with a fanlight.

Window openings are either single or bipartite, fitted with timber sash and case units and plain plate glass. The second-floor windows are adorned with gablet dormers that display shield motifs and finials, and there is a stepped and moulded string course above the first floor.