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Acquiring the Carlisle and Cumberland Bank provides the Bank of Liverpool – consequently Martins Bank – with a number of branches in some of the furthest Northern parts of England, right up to the Scottish Border. In the late 1830s business at Appleby branch progresses steadily, but some problems do arise in 1842.  Mr John Atkinson, tea dealer and former Agent of the bank’s business, is prosecuted for embezzlement and duly convicted. 

In Service: Pre 1911 until Friday 18 May 2018

1967 Appleby Exterior CU BGA Ref 33-23

Image © Barclays Ref 0030/0055

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The bank is forced to recover what it can of his personal overdraft, which at £667 (£63,000 today) is still a VERY high figure, and it sells Atkinson’s ten shares in the Carlisle and Cumberland Bank.  This is a learning curve for the bank, as it is their own original promise of a substantial overdraft for Mr Atkinson that induces him to become the Agent at Appleby.  They review policy in respect of other agents in order to minimise any future losses.  In 1875, despite a number of ‘flat’ years of trading, the Carlisle and Cumberland undertakes a number of building projects which include the re-building of the Appleby branch.




Original cheques from the days of the Carlisle and Cumberland Banking Company are hard to come by these days, so we were delighted when this image of an Appleby Branch cheque was donated to Martins Bank Archive by Stephen Walker. It dates from December 1882, at which time the Bank uses the London and Westminster Bank as its London Clearing Agents.


Image © Martins Bank Archive Collections – Stephen Walker


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1967 Appleby Interior BGA Ref 33-23

Whilst Kendal is the administrative centre for Westmorland, Appleby is the County Town, and home to the famous Horse Fair whose participants make a slow but steady annual journey to the town by horse and caravan. In the 1960s Martins Bank Appleby receives the open, bright and welcoming treatment, showing that on the inside at least, some of the Bank’s oldest offices really can be tastefully brought up to date and made ready for the business of modern banking.

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Image © Barclays Ref 0033/0023

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ABOVE: Could it be that parking outside the branch is yet another of the ways in which Martins goes to extremes to be helpful to its customers at Appleby in Westmorland?

RIGHT: The almost “church-like” exterior of the Branch…

Image © Barclays Ref 0030/0055

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Boys and their toys

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In the days before the M6 has reached this area, the narrow, beautiful and often dangerous roads of Cumberland and Westmorland are just right for those who “feel the need for speed”.  One of these people is Appleby Branch staff Member Alan Ritchie, who shows off this sporty little number in the Autumn 1961 edition of Martins Bank Magazine, but with, apparently, safety foremost in his mind…

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1961 03 MBM.jpgMr. Alan Ritchie (Appleby), son of Mr. J. H. Ritchie (Manager, Penrith), was the winner of the second annual Road Safety Rally organised by the Cumberland Sporting Car Club and the Cumberland and Westmor­land Constabulary in May. There were 51 competitors and in addition to the points awarded for correct driving there were a number of exacting tests. Mr. Ritchie was accompanied by his wife, who was formerly on our staff at Carlisle.

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Farewell, Mr Totty…

1967 04 MBM.jpgA party of colleagues met at Appleby branch on October 28 when the District General Manager presented Mr Totty with a cheque on behalf of subscribers and Miss Sandra Carrick presented Mrs Totty with a piece of Beswick pottery. Mr D. D. Gibson spoke of the enthusiasm shown by Mr Totty in all that he had under­taken whether in his daily work or in his favourite hobbies of canoeing and scouting. Mr Buchanan outlined Mr Totty's career before making the presentation and spoke appreciatively of his services both to the Bank and to outside organisations.

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Mr Totty responded with some amusing anecdotes about his service in Liverpool and the North, following which the guests were entertained to drinks and refreshments in the office. Mr Totty entered the service in 1925 at Water Street, working in the Liverpool and Chester areas until joining H.M. Forces in 1939. He joined the Northern District in 1946 and after eleven years at Ambleside became Manager at Appleby in 1959. In retirement he will live at Arnside.

1917 Mr J D Addison joined the bank here MBM-Su60P54.jpg

1917 to 1917 Mr R Ritchie MBM-Sp59P54.jpg

1936 to 1939 Mr J M Bainbridge MBM-Sp69P09.jpg

1945 to 1946 Mr J A Ritchie MBM-Sp65P08.jpg

1947 to 1948 Mr J M Varty MBM-Au65P05.jpg

1954 to 1959 Mr H B-P Williamson Manager MBM-Au59P57.jpg

Mr J D Addison

Joined the Bank Here


Mr R Ritchie

On the Staff

1917 to 1917

Mr J M Bainbridge

On the Staff

1936 to 1939

Mr J A Ritchie

On the Staff

1945 to 1946

Mr J M Varty

On the Staff

1947 to 1948

Mr H B-P Williamosn


1954 to 1959

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1959 to 1967 Mr E B Totty Manager MBM-Wi67P55.jpg

1961 Mr Alan Ritchie MBM-Au61P44.jpg

1967 Mr JA Henderson Manager MBM-Wi67P05.jpg

Mr E B Totty


1959 to 1967

Mr Alan Ritchie

On the Staff


Mr J A Henderson


1967 onwards





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Index Number and District:






Martins Bank Limited 11-25-00 Appleby in Westmorland 

Full branch

Boroughgate Appleby Westmorland

203 Northern

Mon to Fri 10am to 3pm

Saturday 9am to 11.30am

Appleby 412

Nightsafe Installed

Mr J A Henderson Manager


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Pre 1911

20 March 1911

18 December 1918

3 January 1928

15 December 1969

 Friday 18 May 2018

Carlisle and Cumberland Bank

Bank of Liverpool

Bank of Liverpool and Martins Limited

Martins Bank Limited

Barclays Bank Limited 20-02-42 Appleby

Closed permanently from 12 noon




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