National State Bank Building

New York, United States

Exterior only

Visible from the street; the inside is private.

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The National State Bank Building stands at the junction of River, Fulton, and Third streets in Troy, New York, a five-story Beaux-Arts structure completed in 1904 by local architects M. F. Cummings & Son. Erected on the site of a public market destroyed by fire the previous year, the building displays the hallmarks of early twentieth-century commercial design: a rusticated stone ground floor beneath light gold brick upper stories finished with stone and terra cotta trim, carved stone panels adorning the third and fourth floors, and a steel frame with interior elevator. Its fenestration echoes the nearby Ilium Building, while its composition—with three distinct vertical zones—reflects the emerging language of skyscraper architecture. Recognized as a National Register of Historic Places listing since 1970 and later designated a contributing property to the Central Troy Historic District in 1986, it remains one of the city's earliest formally documented historic buildings.