20 Dollars Colonial Bank

The Colonial Bank was a British-chartered institution operating across the Caribbean and British Guiana, and by 1917 it had been absorbed into Barclays Bank (Dominion, Colonial and Overseas) — though legacy instruments continued circulating under the old name during the transition period. Perkins, Bacon & Co. had a long relationship with colonial currency issuers, their intaglio work being a deliberate anti-counterfeiting measure in territories where enforcement was thin.

The S-prefix in the Pick reference indicates private or commercial bank issue rather than a central authority — a distinction that matters for dating and legal tender status in the issuing territory.