The Victorian commercial structure is an original building constructed in 1883 for a private bank and loan company owned by John Traylor and D.C. Cogdell. The venture was so successful the First National Bank of Granbury was chartered in 1887. The bank expanded to encompass the three adjoining buildings through time and added the elaborate pressed-tin bracketed cornice above most of the buildings on the north side of the square. Also, the old iron plate at the base of the original bank building still bears the inscription, “Traylor and Cogdell, 1883.”

Buildings continued to be built east of the bank from 1882-1893. A fire damaging building along the street in 1891 brought about extensive repairs to the interior and exteriors. Heavy iron clad timbers were used to support the brick veneer front of the upper stories with their Victorian styling. After renovation the buildings became a hardware and tin shop, grocery, and law office.