This three-story building was designed in the Spanish Colonial Revival style, with Merchants National Trust and Savings Bank occupying the first two floors and building owner Harry M. Baine's penthouse on the third.

[2] The United States Department of the Interior considers Baine Building a prime example of Spanish Colonial Revival.

Elements of the style featured include a red tiled roof, smooth facade, wrought iron grillwork and balconies, Churrigueresque ornament, and a corner tower.

The building itself is made of reinforced concrete and stucco, with ornamental pilasters, arched windows, deeply inset bulls-eye windows, and an elaborate scallop corner entrance.

The second story windows, while appearing stationary, turn on a central pivot.