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25 Cents Bank of Lowville
| Issuer | Bank of Lowville |
|---|---|
| Year | 1862 |
| Type | Local banknote |
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| Obverse description | The obverse is printed in olive-green ink on plain paper. At upper left, a vertical panel carries the merchant identification 'K. Collins Kellogg dealer in Dry Goods Lowville NY,' while the central field bears the bold typeset heading 'BANK OF LOWVILLE' above the written denomination 'Twenty-five Cents' and the promise-to-pay text. A small vignette at lower right depicts a dog reclining beside a safe, and the numeral '25' appears in large ornamental script at lower center, with the denomination 'TWENTY-FIVE CENTS' repeated vertically along the left border. |
|---|---|
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| Reverse description | Blank. |
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| Comments |
The Bank of Lowville operated in Lewis County, New York, a sparsely populated lumber and dairy region that had little need for a major commercial bank but found one anyway during the free banking period. By 1862, the Civil War had triggered a severe coin shortage across the North — hoarding was epidemic, and small-denomination fractional notes from local banks, merchants, and municipalities rushed in to fill the gap. This note is a direct product of that crisis.
Lewis County institutions rarely appear in specialist collections. Kappen's listing for this type is thin on surviving examples.