The former Fosters’ Bank in Cambridge was designed by the Victorian architect Alfred Waterhouse and built in 1890-1894 (Photograph: Patrick Comerford, 2026)
Patrick Comerford
Sidney Street in the centre of Cambridge takes its name from Sidney Sussex College, and runs from Bridge Street at its junction with Jesus Lane at the north-west end to Saint Andrew’s Street at the junction with Hobson Street at the south-east end, close to Christ’s College.
Apart from Sidney Sussex College, the notable buildings on this street include Holy Trinity Church, but the most engaging may be Lloyds Bank, built as Fosters’ Bank in 1890-1894. The bank was designed by the Victorian architect Alfred Waterhouse (1830-1905) in the Jacobethan style, with complex decoration.
The building is now the Cambridge University Branch of Lloyds TSB. It was built on an irregular site, at the corner of Sidney Street and Hobson Street, and close to the gatehouse of Christ’s College. The original name of Fosters’ Bank still survives over the doorway, a reminder of the Foster family I referred to yesterday, including George Edward Foster (1840-1906) who laid the foundation stone of nearby Saint Andrew’s Street Baptist Church in 1903.
Fosters’ Bank, a striking building in a mixture of the Jacobethan and Dutch Renaissance-style styles, was designed by Alfred Waterhousem who, financially speaking, was probably the most successful of all the Victorian architects. He is associated with Gothic Revival architecture, although he worked in other styles too. He often used eclecticism in his buildings, and the styles he used occasionally included Tudor revival, Jacobethan and Italianate.
Waterhouse was born into a Quaker family, and his brothers were co-founders of the Price Waterhouse partnership that is now part of PriceWaterhouseCoopers. At an early stage in his career he was strongly influenced by John Ruskin’s The Stones of Venice (1849) and AWN Pugin’s Contrasts (1836) and The True Principles of Pointed or Christian Architecture (1841).
His best-known works include Manchester Town Hall and the Natural History Museum in London, the Manchester Assize buildings, and Strangeways Prison. He designed many town halls, several hospitals, churches and chapels, such as the Lyndhurst Road Congregational Church, Hampstead, banks, and university buildings in Cambridge, such as Girton College and the chapel in Gonville and Caius College, in Oxford, such as the Broad Street frontage and college dining hall in Balliol College, and in Liverpool, Manchester and Leeds.
The Congregational King’s Weigh House Chapel in Mayfair, which he designed in 1888, is now the Ukrainian Catholic Cathedral in London. His hospitals include being the Royal Infirmary Liverpool and University College Hospital London.
The clock tower on the right of the façade above the main entrance of the former Fosters’ Bank in Cambridge (Photograph: Patrick Comerford, 2026)
Waterhouse was commissioned to build a new bank in Cambridge by the Foster family who wanted a new location for their bank which had outgrown its original location in Trinity Street.
The builder was William Sindall; the structural steel work is by A Hanyside & Co; the stone carving, mainly around the doorway, on the clock tower and in the gables, is by Farmer & Brindley; the ceramic tiles were made by Craven Dunnill & Co; the faience is by Burmantofts; the mosaic flooring is by JF Ebner and J Rust; the decorative ironwork and light fittings are by Hart Son Peard & Co; the lighting was by Belshaw & Co; and the clock in the tower was made by John Moore & Sons of Clerkenwell.
The building exudes the grandeur and confidence of banking in the late Victorian era. It was probably designed to make patrons of the bank feel wealthy and portant there – or to attract the wealthy and important to entrust their money with the bank. Today, many tourists photograph it believing it must be part of the university
Both the exterior and interior of the bank are impressive. The exterior has a stone ground floor with decorative banded stone and red brick covering the two upper floors and the gables. There is a clock tower on the right of the façade above the main entrance, and the lettering above the door still says ‘Fosters’ Bank’.
The clock tower with an ornate clock face gives some idea of the elaborate decoration inside. The main banking hall is octagonal in shape, high and light with a magnificent domed roof. The walls and ornate columns have faience decorations, the floor is of mosaic and there are colourful, glazed, ceramic tiles. A neo-Tudor extension was added in 1935.
The lettering above the main entrance still says ‘Fosters’ Bank’ above the door (Photograph: Patrick Comerford, 2026)
The site of Fosters’ Bank at Nos 1 to 5 Sidney Street had once been the site of the Crown and Woolpack Inn, and until 1846 it had been the premises for the Philo-Union or Cambridge Literary Society, founded in 1826 for ‘the diffusion of general knowledge and the discussion of all subjects not of a theological nature’.
Fosters’ Bank was founded in 1804 by the Foster family, Cambridge corn millers, mainly to support their local milling workers. It was also known as the Cambridge & Cambridgeshire Bank.
The bank first opened in attractive premises in Trinity Street, Cambridge, in a building that was once the Turk’s Head coffee bar. Many of the bank’s customers were drawn from the local agricultural industry, and there were branches in St Ives (1830), St Neots (1830), Royston (1834), Ely (1835), Newmarket (1844), Bishop’s Stortford (1874), Littleport (1889), Saffron Walden (1901) and Wisbech.
By the end of the 19th century, Foster’s Bank had outgrown its Trinity Street premises and commissioned Waterhouse to design a magnificent new building. Fosters’ Bank was absorbed into the Capital and Counties Bank in 1904, which later became part of Lloyds Bank.
Both Ebenezer and Richard Foster were Mayors of Cambridge, as were their descendants Charles Finch Foster and Henry S Foster. The Foster family’s milling business continued until 1915. The Foster mill near Cambridge railway station has since been converted into luxury flats. Anstey Hall in Trumpington, once the home of the Foster family, is now a wedding venue.
Richard Foster was also the major backer of the Roman Baths, which were built in Jesus Lane. However, the baths were not a success and closed after less than a year. For many years it was the premises of the Pitt Club, the Cambridge equivalent of the Bullingdon Club in Oxford. I could see the building from my rooms in Cloister Court in Sidney Sussex College when it had become Pizza Express, and it is now Kibou Japanese restaurant.
Fosters’ Bank on Sidney Street is close to both Sidney Sussex College (above) and Christ’s College (below) (Photograph: Patrick Comerford, 2026)
31 July 2026
Daily prayer in Ordinary Time 2026:
85, Friday 31 July 2026
Jesus Unrolls the Book in the Synagogue (Jésus dans la synagogue déroule le livre), James Tissot (1831-1902), Brooklyn Museum (see Matthew 13: 54)Patrick Comerford
We are continuing in Ordinary Time in the Church, and the week began with the Eighth Sunday after Trinity (Trinity VIII, 26 July 2026). The calendar of the Church of England in Common Worship today remembers Saint Ignatius of Loyola (1556), founder of the Society of Jesus (Jesuits).
Before today begins, I am taking some quiet time this morning to give thanks, for reflection, prayer and reading in these ways:
1, today’s Gospel reading;
2, a reflection on the Gospel reading;
3, a prayer from the USPG prayer diary;
4, the Collects and Post-Communion prayer of the day.
Jesus in the Synagogue, as imagined by the Northern Ireland-born artist Greg OlsenMatthew 13: 54-58 (NRSVA):
54 He came to his home town and began to teach the people in their synagogue, so that they were astounded and said, ‘Where did this man get this wisdom and these deeds of power? 55 Is not this the carpenter’s son? Is not his mother called Mary? And are not his brothers James and Joseph and Simon and Judas? 56 And are not all his sisters with us? Where then did this man get all this?’ 57 And they took offence at him. But Jesus said to them, ‘Prophets are not without honour except in their own country and in their own house.’ 58 And he did not do many deeds of power there, because of their unbelief.
Stained glass windows in my old school chapel at Gormanston College, Co Meath (Photograph: Patrick Comerford)
Today’s Reflections:
Where do you call home, and where do feel most at home?
I have been living for more than four years now in Stony Stratford, on the north-west fringes of Milton Keynes and by the River Ouse, which separates Buckinghamshire and Northamptonshire.
But I was born on Rathfarnham Road in Dublin, spent parts of my childhood near Cappoquin in West Waterford and in Dublin, went to school in Dublin and in Co Meath, began working as a journalist in Lichfield, lived in my early adult years in Wexford, I have lived in different houses in south Dublin from late 1974 until 2017, and I spent five years in parish ministry in west Limerick and north Kerry before moving here.
I have studied in Reading, Dublin, Maynooth, Tokyo, Cambridge and London.
If you were to ask me where I am from, I may look puzzled and sound incoherent as I try to reply. Yet, in my sleep and in my mind’s eye, I still wander easily through the many houses where I have lived and through the classrooms and lecture rooms of the many schools and colleges where I have studied.
I wonder how Jesus would have answered a question like that? He was born in Bethlehem, he spent his early days as a refugee in Egypt, Joseph and Mary seem to have grown up in the small town of Nazareth, they returned there after Jesus’ birth and their exile in Egypt, and he spent his childhood there.
Eventually, though, Jesus moved to the more populated town of Capernaum on the shores of the Sea of Galilee (see Matthew 9: 1; John 2: 12). He would go on to spend the last period of his ministry in Jerusalem, and was executed outside the city walls.
In this morning’s reading, Jesus returns to visit his ‘home town’, which may have been Nazareth or Capernaum.
In Saint Luke’s Gospel, when he returns to Nazareth, the people try to kill him (see Luke 4: 16-29). This morning’s reading appears to describe a separate occasion.
Both Nazareth and Capernaum, like most towns in that region at that time, had a synagogue. It was common for visiting rabbis to be invited to speak in the synagogue when in town. Jesus did so in Nazareth and Capernaum, and did some miracles there, perhaps of healing, though did not do many (Matthew 13: 58).
The reaction to Jesus’ teaching and his miracles was one of astonishment and rejection, and his own people asked where he got this wisdom and the ability to do these mighty works.
I was back in Dubin briefly earlier this week for a family visit, though in such a short few hours it was not possible to meet all the people I wanted to.
If, as an adult, you live far away from home, what do you do when you return home? Do you return home for Christmas, or for family events such as weddings and funerals?
Do you visit family members … ageing parents, uncles, aunts, siblings, cousins? Have they changed much since you left? Do they think you have changed much?
Do you walk past the old family home? Do you wonder how the families who now live there have changed the rooms inside? Do you want to see inside your own former bedroom, or regret the front garden has been changed to make way for car parking spaces?
Do you visit your old school? Do you contact old school friends or old teachers? Have they changed much since you left? Do they accept who you have become?
Do you visit the church you knew as a child or teenager, where you were baptised, confirmed or married, or your old school chapel? Has it changed much – not just in the clergy who are there, but in its layout and design, in its style of worship and in the ways in which it emphasises its teachings?
My school year from Gormanston in 1969 meet up every now and then, and met again for lunch in Dublin in September 2024. We shared memories of members of our year who have died since we left, including Tom Lappin and John McCarthy who died that year. It was not only yet another opportunity to meet each other but also to find out how we had been getting on over the previous 55 years, and to affirm one another and renew friendships.
But so often, sadly, we want to tie people to the memories we have of them in the past, memories that may have been distorted over the years, and that can no longer be placed back in their original contexts.
And, too often, we know from our life experiences, assumptions and prejudices can blind us to truth. When we think we know something, or someone, we tend to favour those expectations over new information.
Many, many people in the world think they already know all about Jesus. Many, however – including those who claim to be closest to often – often know very little about him, continue in their assumptions and prejudices, and are offended when they are presented with the truth (Matthew 13: 57).
My old school at Gormanston College, Co Meath … has your old school changed since you left? (Photograph: Patrick Comerford)
Today’s Prayers (Friday 31 July 2026):
In Pray with the World Church, the prayer diary of the Anglican mission agency USPG (United Society Partners in the Gospel), the theme this week, from 26 July to 1 August 2026 (pp 22-23), is ‘Lives in Transit’. This theme was introduced on Sunday with a programme update by Rachel Weller, Communications Officer, USPG.
The USPG prayer diary today (Friday 31 July 2026) invites us to pray:
Lord God, we pray for USPG and all church partners engaged in eradicating human trafficking and abolishing modern slavery. Guide their advocacy, deepen their compassion, and strengthen their efforts to bring justice, protection, and freedom.
The Collect of the Day:
Almighty Lord and everlasting God,
we beseech you to direct, sanctify and govern
both our hearts and bodies
in the ways of your laws
and the works of your commandments;
that through your most mighty protection, both here and ever,
we may be preserved in body and soul;
through our Lord and Saviour Jesus Christ,
who is alive and reigns with you,
in the unity of the Holy Spirit,
one God, now and for ever.
The Post Communion Prayer:
Strengthen for service, Lord,
the hands that have taken holy things;
may the ears which have heard your word
be deaf to clamour and dispute;
may the tongues which have sung your praise be free from deceit;
may the eyes which have seen the tokens of your love
shine with the light of hope;
and may the bodies which have been fed with your body
be refreshed with the fullness of your life;
glory to you for ever.
Additional Collect:
Lord God,
your Son left the riches of heaven
and became poor for our sake:
when we prosper save us from pride,
when we are needy save us from despair,
that we may trust in you alone;
through Jesus Christ our Lord.
Yesterday’s reflection
Continued tomorrow
At No 18 High Street, Wexford, I had the whole top floor of the house – all two rooms – to myself … in my sleep, I still wander easily through the many houses I have lived in (Photograph: Patrick Comerford)
Scripture quotations are from the New Revised Standard Version Bible: Anglicised Edition copyright © 1989, 1995, National Council of the Churches of Christ in the United States of America. Used by permission. All rights reserved worldwide. http://nrsvbibles.org
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