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25 Cents Bank of Lowville
| Issuer | Bank of Lowville |
|---|---|
| Year | 1862 |
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| Reference(s) | Kappen#H5 |
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|---|---|
| Obverse lettering | K. Collins Kellogg dealer in Dry Goods Lowville NY. No._______ Lowville, N.Y. Oct, 1, 1862 BANK OF LOWVILLE, Pay the bearer TWENTY-FIVE CENTS when like Checks are presented in sums of one or more Dollars. TWENTY-FIVE CENTS |
| 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.