Its significance is derived from its Beaux-Arts architecture and the bank's role in the town's early 20th-century agriculture-based economy and railroad development along a branch of the Chicago, Milwaukee & St. Paul Railroad.

[2] Completed in 1912, the Beaux Arts elements on the buildings main façade includes a large elliptical-arch window, Ionic granite columns, classical entablature, and circle window above the door framed by garlands.

Farmers' State Bank was Volga's second financial institution.

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