Two and one half stories, the Second National Bank features orange colored brick brownstone trim, gabled tile roof, a Romanesque doorway on the east, and a semicircular bay on the west. Its rich decorative details and variety in forms and shapes are common to the broad Romantic Revival architectural styles of the mid-to-late 19th century. The round arched windows, rusticated stone and heavy decorative details of the Second National Bank building are typical Romanesque elements. Particularly noteworthy brownstone details include the impressive cornice about the entrance, in a floral design, and the brownstone lions seated above each pilaster.
The Second National Bank building is located at 71 Baltimore St., and is a contributing building to the Downtown Cumberland Historic District. Now the F&M Bank, it is open to the public during normal banking hours.