[1] Joseph Macardy was an Irishman who became the senior partner of a firm of Manchester stockbrokers and in 1828 he became involved in the establishment of a new joint stock bank in the city.

Acquisitions reinforced the branch openings, the first being in 1844 – the Nantwich and Cheshire Bank, founded five years earlier.

[4] Lloyd Entwistle had descended from the firm of John Jones "bankers and tea dealers", already established in the 1770s.

[2] The Manchester and Liverpool District Banking Company assumed limited liability in 1880 by which time there were 54 branches stretching across to Yorkshire and down to Staffordshire.

The District kept its separate board in Manchester until the 1968 merger of National Provincial and Westminster Bank.

The statutory process of integration was completed in 1969 and the new company, National Westminster Bank, opened its doors for business on 1 January 1970, ending 140 years of independent trading.