Lloyds Bank is a Grade II listed building in the Ceredigion local planning authority area, Wales. First listed on 14 April 1992. Bank. 3 related planning applications.

Lloyds Bank

WRENN ID
eternal-rubble-starling
Grade
II
Local Planning Authority
Ceredigion
Constituency
Ceredigion Preseli MP: Ben Lake (PC)
Country
Wales
Date first listed
14 April 1992
Type
Bank
Address
Lloyds Bank, 14 High Street, Cardigan, SA43 1JW
OS grid reference
SN 177 460
Coordinates
52.08309, -4.66134
Source
Cadw listing

Also on this page: related consents · flood risk · radon risk · weather exposure · detailed attributes ↓

Description

Lloyds Bank is a large, three-storey building constructed of red brick and Bath stone. It features a slate roof and lacks any chimney stacks. The ground floor has an ashlar front with a corniced fascia that runs across the entire width, supported by paired brackets. It includes a seven-bay arrangement of doors and windows, each with a moulded depressed-arched head and a two-light mullioned overlight, which has moulded curved upper angles and stained glass. The doors and windows have been modernized, reversing the original arrangement. The central door has a plain ashlar tympanum inscribed with 'Established 1782 Bank'.

The upper floors are made of red brick, with an ashlar cornice separating the floors and ashlar window tracery for the tripartite sash windows. These windows have moulded frames with curved angles for each light and are framed by raised brick piers. Similar angle piers with cornices and a smaller eaves cornice project forward over each pier. The left window on the first floor was replaced around 1900 with a large painted timber canted oriel window featuring sashes, pilaster piers, and a panelled frieze below the cornice. An iron flower balcony is located above this window.

Original cast iron downpipes are positioned on either side of the facade, cutting through the cornices. Old photographs reveal that there were brick end stacks and panelled doors. The interior banking hall has been completely altered.

Local climate

Lloyds Bank sits in one of the wettest parts of the UK, with an average of 1,180 mm of rain a year. This makes it wetter than 90% of listed buildings in the UK. Its exposure to wind-driven rain is greater than that of 96% of listed buildings.

It experiences an average of 7 freeze-thaw cycles a year, fewer than 95% of listed buildings. Of these, 2 follow at least 1 mm of rain in the preceding 48 hours. Average temperatures at this location have risen by 0.3°C per decade since 1991.

Averages for 1991–2020; temperature trend 1991–2025. Figures describe the wider area (a grid cell of roughly 10 km), not the individual site. Contains modified Copernicus Climate Change Service information 2026.

More on this building

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  • No EPC on record for this property
  • No sale records on file
  • Related listed building consents — 3 applications
  • Detailed attributes — period, style, materials, features
  • Flood risk assessment
  • Radon risk assessment
  • Weather exposure and heating demand — rain and frost month by month and year by year, wind direction, solar and humidity
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