Bank Of Scotland, 48 South Hermitage Street (Corner With Langholm Street/Douglas Square)

The Bank of Scotland, located at 48 South Hermitage Street, was designed by Peddie & Washington Browne in 1895. This two-storey, L-plan building features an asymmetric design in the Queen Anne style, characterized by curved pedimented dormers, an oriel window on the main facade, and a steep multi-gabled roof. It is constructed from squared, snecked red sandstone with polished ashlar dressings, and includes a first-floor string course and bracketed eaves. The ground floor has stone-mullioned bipartite windows.

The principal elevation, facing north towards Douglas Square, has three bays. To the left, there is a two-leaf timber panelled front door set in a pedimented architrave. To the right, a slightly advanced gable features two arched windows at the ground level and a canted oriel window above on the first floor. The east elevation, facing South Hermitage Street, has irregular fenestration across four bays, including a two-leaf timber panelled door to the former agent's house in a moulded architrave, located in the second bay from the left.

The windows are fitted with plate glass in timber sash and case frames. The building has ashlar-coped skews with scrolled skewputs and coped gablehead stacks topped with red clay cans. The roof is covered with grey slate, possibly Welsh, and features terracotta ridge tiles. The principal elevation also has cast-iron rainwater goods with curved hoppers.