Stephen F. Cass had established a stagecoach-stop general store two miles northeast of where Chancey Carpenter had platted the town of Sumner.

[2] Carpenter had given a strip of land to the Iowa Pacific Rail Company, later the Chicago Great Western Railway, which built their tracks and a depot in town.

Cass died in 1900, and the bank failed in 1931 during the Great Depression.

The two-story brick structure features a corner clock tower, pilasters that divide the slightly inset bays, and a cornice of corbelled bricks.

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