[1] It was based upon the business of the Birmingham private bankers Gibbins & Lovell, established in 1825 by Joseph Gibbins and Edward Bourne Lovell, and initially traded from their premises in New Street.
[2] The bank built itself a headquarters in Birmingham at the junction of Waterloo Street and Bennetts Hill which was constructed in 1830 to the designs of the architects Thomas Rickman and Henry Hutchinson.
It was altered in 1868 by Yeoville Thomason;[4] and an extension in Bennetts Hill by Harris & Martin was added in 1881–4.
[8] This amalgamation enabled the Birmingham company to facilitate its London business as the Royal Exchange Bank had a seat in the clearing house, and until this time the Birmingham bank had paid fees of several thousand pounds a year for cashing their cheques in the London Bankers' Clearing House.
[10] The branch on Bennetts Hill closed in 2002 and the building was converted for use as a wine bar.