Bank Of Scotland, 46 Bank Street, Kilmarnock

The Bank of Scotland, located at 46 Bank Street in Kilmarnock, is a mid-19th century bank building featuring two storeys above a raised basement. It has a six-bay facade, arranged in groups of three, and is flanked by single-storey, single-bay wings. The exterior is rendered and painted, with contrasting dressings and rubble on the sides. There is a basement course, an architraved cill course on the ground floor, and a plain cill course on the first floor. The windows are adorned with lugged architraves and entablatures.

On the northwest (principal) elevation, the entrance door is located in the third bay from the left, accessed by a flight of steps flanked by stepped walls. This leads to a porch supported by paired Roman Doric columns, featuring decorative metopes and a dentilled cornice. There are two bays to the left of the porch and three bays to the right, which includes the "BANK OF SCOTLAND" signage above, all situated over the cill course. The first floor has six regularly placed bays, topped with a dentilled principal cornice and a decorative parapet that is divided by pedimented dies. The lower flanking wings have outer pilasters and a single arched bay; the left wing bay contains a door accessed by steps with flanking stepped walls, while the right wing bay is blind with an inset ATM and accessed by later stairs with a wrought-iron handrail, along with an additional window in the upper set-back bay.

The northeast elevation is irregularly massed, featuring a pair of vertically placed narrow windows at the center and another narrow window to the right, adjacent to the blind gable of the main building at the rear. The southeast (rear) elevation is not visible, and the southwest elevation is concealed by the gable of an adjacent building.

The ground floor has two-pane timber sash and case windows with etched lower panes, while the first floor features four-pane timber sash windows and single-pane slit windows on the northeast elevation. The roof is pitched with grey slate, and there are cast-iron rainwater goods. The gablehead and ridge stacks are made of corniced ashlar, with both circular and square cans.

The interior has been refurbished for use as a Bank of Scotland branch.