The bank became the center of financial business in Vermillion; it provided vital loans to farmers and even gave out Christmas presents to customers.

By 1925, under the leadership of the second president Myron Thompson, the bank had become the largest financial institution in Clay County.

The outside facade was extended to include a small neighboring building and was redone in a Classical Revival style.

Modillion blocks, subtle stone quoins, and geometric designs popular during this era decorate the surface.

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