Merchants National Bank ‘Jewel’ of Grinnell, IA

April 2026

MEMORY LANE MUSINGS

Merchants National Bank ‘Jewel’ of Grinnell, IA

by Sara Jordan-Heintz

Grinnell, IA, an artistic college town of 9,500 people situated along I-80 between Des Moines and Iowa City, may not be on your radar for a weekend road trip or romantic getaway, but it should be. Brimming with history (it was a stop on the Underground Railroad) and filled with buildings and residences on the National Register of Historic Places, it’s nicknamed the “Jewel of the Prairie” because its downtown is home to a Louis Sullivan “jewel box” bank.

Officially called the Merchants National Bank, 833 Fourth Ave., it was built in 1914 at a cost of $60,000. Sullivan, known as a mentor to Frank Lloyd Wright, is regarded as the “father of skyscrapers” and the “father of modernism.” He was the most influential architect of the Chicago School. He came to Grinnell in 1913 to sketch a design for the bank, which opened New Year’s Day 1915. It is one of eight “jewel-box” banks Sullivan designed in the Midwest during the last decade of his career.

My husband Andy and I toured the bank on Valentine’s Day while we were in town for the weekend.

The jewel box was designated a National Historic Landmark in 1976 and, after operating as a bank until 1999, houses the Grinnell Area Chamber of Commerce and Visitor Center. It is owned by Wells Fargo, which occupies the 12,000-square foot addition put on the building in the ‘70s.

Jessica Trivedi, a volunteer docent who hails from Chicago, where Sullivan’s work is legendary, said Iowa is fortunate to have examples of his work still standing.

B.J. Ricker was part owner of the local glove factory in town. Allegedly, his wife Mabel was in the same social circles as Frank Lloyd Wright’s first wife Catherine. Walter Burley Griffin and his wife Marion Mahony Griffin, colleagues of both Sullivan and Wright, designed the Rickers’ home at 1510 Broad St. in Grinnell, which is still standing. And, small world, Mabel Ricker attended high school in Oak Park with Walter Burley Griffin.

“Based on the history I’ve been shared, Mabel Ricker originally wanted Frank Lloyd Wright to build her new house, but he was unavailable,” Trivedi notes. “Since the Griffins worked in Wright’s office and managed certain commissions while he was in Europe, the Rickers developed a strong working relationship with them. When it came time to build the bank, B.J. Ricker recommended the Griffins to the board. However, they were in Australia at the time building the capital (Canberra) and recommended Louis Sullivan instead.”

 

Merchants National Bank was created with pink Tennessee marble floors, extensive ornamental terracotta, stained glass windows designed by Louis Millet, a hand-carved wooden check desk, and exterior Griffin statues, to impress its customers.

Merchants National Bank, also known as the Louis Sullivan Jewel Box Bank, 833 Fourth Ave. in Grinnell, Iowa. (Images courtesy of the author)

The Federal Reserve was established in late 1913 to provide the country with greater financial stability. Trivedi points out Merchants National Bank was created with pink Tennessee marble floors, extensive ornamental terracotta, stained glass windows designed by Louis Millet, a hand-carved wooden check desk, and exterior Griffin statues to impress its customers.

Upon entering the space, I was struck with how small and intimate the bank actually is (75 feet long, 43 feet wide, and 37 feet high). A blue stained glass sky light on the ceiling gives the viewer the illusion of floating beneath the surface of a pool. The terracotta headers are commanding, while the patterns in the glass complement the shapes in the exterior’s design.

Despite these elaborate touches (Grinnell was a small railroad town at the time) what the public seemed most impressed by, according to Trivedi, is the water fountain that originally sat at the end of the check desk.

In 1924, Merchants National Bank closed due to the agricultural depression of the time. Two years later, Citizens National Bank bought it. By 1930, it was called Poweshiek County National Bank, then Brenton National Bank by the mid-’80s. The Griffin statues (hybrid creatures featuring the body of a lion and the head, wings, and talons of an eagle) have faced vandalism and theft. Restoration efforts replaced the stolen Griffin and saw to repair work to prevent rainwater from getting into the building.

The care that has gone into preserving the bank (complete with framed documents and display cases) speaks not only of the town’s dedication to local history, but also an understanding and respect for what Louis Sullivan’s work means to the legacy of American architecture.

The Grinnell Chamber is open weekdays from 8 a.m. to noon and 1 p.m. to 4:30 p.m. Weekend and after hours tours can be set up by calling 641-236-6555.

Grinnell is truly a jewel, encompassing Grinnell College, small businesses, historic sites such as the Grinnellian Bed & Breakfast, and the Union Depot, used by the Chicago, Rock Island & Pacific Railroad, and today is El Cascabel Mexican restaurant. I know Andy and I will be back.

 

Sara Jordan-Heintz is a journalist, author, and editor based in Iowa. An “old soul” she is an avid collector of vintage jewelry, Russian stacking dolls, and autographs. In her free time she’s a voracious reader and lover of classic movies — “All About Eve” being her top pick. Her favorite fictional sleuths are Columbo and Jessica Fletcher. She holds a degree in American Studies from the University of Iowa. Connect with her at: sara.jordan909@gmail.com.

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