I've chosen to pair the two banks in this post, not for their proximity in location but for their proximity of design. One was in Ripon and the other in Stevens Point, both were Romanesque in style. In the Oshkosh Northwestern Weekly's biographical article about architect Waters of June 25, 1891 a Ripon bank is listed but not a bank in Stevens Point. Among the many images found in the Waters archives of the Oshkosh Public Museum was a building of rough hewn stone with a pediment holding a set of small arched topped windows but no identification. While researching the Ripon opera house I noticed in a photograph of the town square a similar building and concluded it was the Waters' designed bank listed in the newspaper.
The bank in Ripon was the German National Bank which was built in 1891, its' construction unheralded by any of the Oshkosh press. Constructed of rough hewn limestone it was perhaps thirty feet wide and two stories high. On the ground floor to the left was the entrance; double doors with an arched transom, flanked by twin columns which supported a stone lintel and pediment and to the right of the doors was a large square window. Above the first floor window were two windows and another set of smaller windows to the left just above the doors. The stone work was of regular shaped blocks, either rectangular or square and laid in even courses. With the onset of World War one the bank changed its' name to the First National Bank and replaced the building in the early 1920's with a large Art Deco Style edifice.