CBC Bank (former)

Item details


Name of item:	CBC Bank (former)
Other name/s:	Kiama Veterinary service, Commercial Banking Company of Sydney Ltd
Type of item:	Built
Group/Collection:	Commercial
Category:	Bank
Location:	Lat: -34.6723537381 Long: 150.8565794880
Primary address:	16-20 Manning Street, Kiama, NSW 2533
Parish:	Kiama
County:	Camden
Local govt. area:	Kiama
Local Aboriginal Land Council:	Illawarra

Property description

Lot/Volume Code	Lot/Volume Number	Section Number	Plan/Folio Code	Plan/Folio Number
LOT	1		DP	603129

All addresses

Street Address	Suburb/town	LGA	Parish	County	Type
16-20 Manning Street	Kiama	Kiama	Kiama	Camden	Primary Address

Owner/s

Organisation Name	Owner Category	Date Ownership Updated
	Private

Statement of significance:


	The former CBC Bank was constructed c1880 to designs of Mansfield Bros for Commercial Banking Company of Sydney Ltd. It comes within the Mansfield genre of substantial and impressive two-storey Italianate style banks. The building retains much of its original detail and joinery. Situated adjacent to the Bank of New South Wales building, also by Mansfield Bros and near Kiama Post Office and other early commercial and civic premises, the former CBC bank is an important component of Kiama’s townscape and a reminder of the town’s elegant past. (Branch Managers Report to Heritage Council 14 January 1981)
	Date significance updated: 03 Oct 00
	Note: The State Heritage Inventory provides information about heritage items listed by local and State government agencies. The State Heritage Inventory is continually being updated by local and State agencies as new information becomes available. Read the Department of Premier and Cabinet copyright and disclaimer.

Description


Designer/Maker:	Mansfield Bros
Construction years:	1880-1881
Physical description:	The building falls within the (George Allen) Mansfield genre of substantial and impressive two-storey Victorian Italianate-style banks comprising of ground floor banking chambers with first floor manager's residence. Materials are rendered brick with a slate roof, and the building retains much of its original detail and joinery, little compromised by the various uses to which the former bank has been put. (Branch Managers Report to Heritage Council 14 January 1981). Stuccoed brick and stone with projecting central porch (Latona Masterman, 1987, 39).
Physical condition and/or Archaeological potential:	The building is in original condition (HCNSW, 1986, 8).
	Date condition updated:18 Jan 19
Modifications and dates:	The building retains much of its original detail and joinery, little compromised by the various uses to which the former bank has been put. (Branch Managers Report to Heritage Council 14 January 1981)


Current use:	Veterinary service
Former use:	Aboriginal land, farm, town lot, Bank

History

Historical notes:

Kiama means good fishing ground (Thorpe/Australian Museum, 1940).

District history:
The first recorded reference to the district was by George Bass who anchored his 28ft whaleboat in the sheltered bay (now known as Kiama Harbour) in December 1797.

In the years following 1797 Black Beach provided the main landing place for the first cedar-cutters and settlers. Sailing boats would anchor in the relatively well-protected cove while colonists and supplies would be rowed ashore by open boats. In the ensuing decades Kiama's thriving timber and dairy industries put great strain on the limited cargo and mooring facilities in the cove (Dillon, 1991).

The growth and development of Kiama began with cedar-cutting and was linked to the growth and development of the Colony as a whole. Sea transport became of major importance to the district as vessels under sail and later steam, crowded into the Robertson Basin to load timber, later wheat and dairy produce and eventually basalt for shipment to the Sydney markets (HCNSW, 1986, 8).

The site of Kiama Township was reserved by the Government in 1826 and proclaimed in 1836. The township was first surveyed by Robert Hoddle in 1830 and again by Jacques in 1831, and its streets largely laid out around the c.1825 grant to the first settler and cedar getter, David Smith. Initially the town grew up around the road from the harbour to Jamberoo which travelled up the present-day Manning Street and Bong Bong Street but later a lower track through Pikes Hill (now Terralong Street) was cut. The cutting later became the site of a basalt quarry for which Kiama later became better-known (Graham, 2016, 6).

Cedar getters were the first (settlers) to the area, among those was David Smith, who became the first permanent white settler when he built a residence in Kiama in 1832.

The sheltered cove at Kiama became the principal shipping port for the cut cedar. From the 1820s, six or more coastal trading ships would anchor at any one time awaiting their precious cargoes. The early port was described as a 'tolerable good boat harbour from which nine-tenths of the cedar brought to Sydney is shipped' (Dillon, 1991).

Following the cedar cutting came dairying, which quickly flourished into the staple industry of the region. So successful was this rural activity that a new breed of dairy cow, the Illawarra shorthorn, was developed on these productive pastures (ibid, 1991),

By 1848 the town had two inns, a post office, 2 stores, a church and 18 permanent houses. In 1849 a train linking hte quarry and harbour was built down along Terralong Street and a new jetty relocated to here (ibid, 2016, 6).

Kiama was proclaimed a Municipality in 1859.

Local petitions requesting a general upgrading of harbour facilities were presented to the Colonial Government as early as 1864. Thirteen years later the constructed basin and dockside were completed and named Robertson Basin in honour of the then Colonial Secretary. The upgrading of the harbour was timely as in subsequent years, with the export of newly-quarried basalt, there was a massive increase in coastal shipping. Horse-drawn drays were initially used to transport the stone from the quarry to the loading hoppers at the wharfside (ibid, 1991).

In the 1870s the dairying industry was supplemented by basalt (blue metal) quarrying, now one of the district's major income earners alongside tourism. The state's ever-expanding tram, road and rail network needed vast amounts of basalt, both crushed and in natural cube form (ibid, 1991).

Shortly after 1880 a new road running out of Bombo up over the hill was created to link the town centre and Terralong Street to the relocated jetty, main quarry site and the soon-to-be-opened railway station at Bombo. This road was to become known as Collins Street and became one of the town's main roads and its northern approach. The train came to Bombo in 1887 and in 1888 an extension to Kiama was started (ibid, 2016, 6).

Kiama became a tourist attraction very early in the course of its development and throughout the Victorian era served as a premier seaside holiday resort. The town's popularity was considerably enhanced when, in 1888, with the opening of the railway, it became more readily accessible from Sydney (HCNSW, 1986, 8).

Kiama Railway station opened in 1893 as part of the first completed stage of the Kiama to Jervis Bay Railway which terminated at Bomaderry (Nowra).

By 1914 the horse-drawn drays (transporting stone to the wharfside) system had been replaced by a steam locomotive tramway running along Terralong Street (Dillon, 1991).

Downtown (Collins Street) history:
Much of this land was bought by William Geoghagen. In 1867 when he bought his first parcel his occupation was given as wharfinger. He later built the terraces facing Collins Street and sold land to the Temperance Hall, now the Masonic Lodge. It is probable that he built No.5 Collins Lane in the 1880s as his home.

The oldest building of the group is the Masonic Temple (1870s).

Nos 42-44 Collins Street was built in the late 1870s to house quarry workers. The terrace No.s 24-40 Collins Street was built in stages during the 1880s. No. 24 was originally an inn, with 26 the inn-keeper's residence; No.s 28-38 housed quarry workers, and No. 40 was originally a post office.

The stone crushing industry began in Kiama in 1871 and by 1880 the Bombo quarry (north of Kiama) was operating.

The Depression and World War II caused the decline and closure of most of the quarries (NTA (NSW) Precinct Classification card, 1984).

CBC Bank history:
The former CBC bank was constructed c1880 (Dillon, 1991 says 1881) to designs of Mansfield Bros. for the Commercial Banking Company of Sydney Ltd.

In 1979 Mr & Mrs Roslyn McKinnon, owners of the CBC Bank, nominated it for a Permanent Conservation Order. At that time the front of the building was occupied by a solicitors practice, the rear was occupied by a veterinary surgeon and the upstairs was let as a flat. The owners of the property were seeking protection under the Heritage Act for the building with a view to attracting rating and taxation benefits.

At its meeting of 14 January 1981 the Heritage Council recommended that a Permanent Conservation Order be placed over the former CBC Bank, Kiama. A Permanent Conservation Order was placed over the property on 17 July 1981.

In 1991 the building was used as a solicitor's office (Dillon, 1991).

It was transferred to the State Heritage Register on 2 April 1999.

Historic themes

Australian theme (abbrev)	New South Wales theme	Local theme
1. Environment-Tracing the evolution of a continent's special environments	Environment - naturally evolved-Activities associated with the physical surroundings that support human life and influence or shape human cultures.	Cultural - Coasts and coastal features supporting human activities-
1. Environment-Tracing the evolution of a continent's special environments	Environment - naturally evolved-Activities associated with the physical surroundings that support human life and influence or shape human cultures.	Changing the environment-
3. Economy-Developing local, regional and national economies	Commerce-Activities relating to buying, selling and exchanging goods and services	Developing Commercial Enterprise-
3. Economy-Developing local, regional and national economies	Commerce-Activities relating to buying, selling and exchanging goods and services	Banking-
3. Economy-Developing local, regional and national economies	Commerce-Activities relating to buying, selling and exchanging goods and services	Office use-
3. Economy-Developing local, regional and national economies	Environment - cultural landscape-Activities associated with the interactions between humans, human societies and the shaping of their physical surroundings	Developing local, regional and national economies-National Theme 3
3. Economy-Developing local, regional and national economies	Environment - cultural landscape-Activities associated with the interactions between humans, human societies and the shaping of their physical surroundings	Landscapes of institutions - productive and ornamental-
3. Economy-Developing local, regional and national economies	Events-Activities and processes that mark the consequences of natural and cultural occurences	Developing local landmarks-
4. Settlement-Building settlements, towns and cities	Accommodation-Activities associated with the provision of accommodation, and particular types of accommodation – does not include architectural styles – use the theme of Creative Endeavour for such activities.	Building settlements, towns and cities-National Theme 4
4. Settlement-Building settlements, towns and cities	Accommodation-Activities associated with the provision of accommodation, and particular types of accommodation – does not include architectural styles – use the theme of Creative Endeavour for such activities.	Victorian era residence-
4. Settlement-Building settlements, towns and cities	Accommodation-Activities associated with the provision of accommodation, and particular types of accommodation – does not include architectural styles – use the theme of Creative Endeavour for such activities.	Bank residence-
4. Settlement-Building settlements, towns and cities	Accommodation-Activities associated with the provision of accommodation, and particular types of accommodation – does not include architectural styles – use the theme of Creative Endeavour for such activities.	Federation era office building-
4. Settlement-Building settlements, towns and cities	Accommodation-Activities associated with the provision of accommodation, and particular types of accommodation – does not include architectural styles – use the theme of Creative Endeavour for such activities.	Adapted heritage building or structure-
4. Settlement-Building settlements, towns and cities	Accommodation-Activities associated with the provision of accommodation, and particular types of accommodation – does not include architectural styles – use the theme of Creative Endeavour for such activities.	Housing professional people-
4. Settlement-Building settlements, towns and cities	Accommodation-Activities associated with the provision of accommodation, and particular types of accommodation – does not include architectural styles – use the theme of Creative Endeavour for such activities.	Housing (regional city)-
4. Settlement-Building settlements, towns and cities	Land tenure-Activities and processes for identifying forms of ownership and occupancy of land and water, both Aboriginal and non-Aboriginal	1820s-1850s land grants-
4. Settlement-Building settlements, towns and cities	Land tenure-Activities and processes for identifying forms of ownership and occupancy of land and water, both Aboriginal and non-Aboriginal	Townships-
4. Settlement-Building settlements, towns and cities	Land tenure-Activities and processes for identifying forms of ownership and occupancy of land and water, both Aboriginal and non-Aboriginal	Suburban Centres-
4. Settlement-Building settlements, towns and cities	Land tenure-Activities and processes for identifying forms of ownership and occupancy of land and water, both Aboriginal and non-Aboriginal	Sub-division of large estates-
4. Settlement-Building settlements, towns and cities	Land tenure-Activities and processes for identifying forms of ownership and occupancy of land and water, both Aboriginal and non-Aboriginal	Changing land uses - from rural to suburban-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	19th century suburban developments-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Subdivision of urban estates-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Commercial strip development-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Outlying settlements-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	living in the suburbs-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Developing suburbia-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Creating landmark structures and places in regional settings-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Beautifying towns and villages-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Developing private towns-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	living in the country-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Shaping coastal settlement-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Impacts of railways on urban form-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Evolution of railway towns-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Impact of railways on suburban development-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Impacts of railways on rural development-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	Developing ports-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	A Picturesque Residential District-
4. Settlement-Building settlements, towns and cities	Towns, suburbs and villages-Activities associated with creating, planning and managing urban functions, landscapes and lifestyles in towns, suburbs and villages	19th Century Infrastructure-
5. Working-Working	Labour-Activities associated with work practises and organised and unorganised labour	Working in offices-
8. Culture-Developing cultural institutions and ways of life	Creative endeavour-Activities associated with the production and performance of literary, artistic, architectural and other imaginative, interpretive or inventive works; and/or associated with the production and expression of cultural phenomena; and/or environments that have inspired such creative activities.	Developing cultural institutions and ways of life-National Theme 8
8. Culture-Developing cultural institutions and ways of life	Creative endeavour-Activities associated with the production and performance of literary, artistic, architectural and other imaginative, interpretive or inventive works; and/or associated with the production and expression of cultural phenomena; and/or environments that have inspired such creative activities.	Architectural styles and periods - Victorian Italianate-
8. Culture-Developing cultural institutions and ways of life	Creative endeavour-Activities associated with the production and performance of literary, artistic, architectural and other imaginative, interpretive or inventive works; and/or associated with the production and expression of cultural phenomena; and/or environments that have inspired such creative activities.	Adaptation of overseas design for local use-
8. Culture-Developing cultural institutions and ways of life	Creative endeavour-Activities associated with the production and performance of literary, artistic, architectural and other imaginative, interpretive or inventive works; and/or associated with the production and expression of cultural phenomena; and/or environments that have inspired such creative activities.	Designing in an exemplary architectural style-
8. Culture-Developing cultural institutions and ways of life	Creative endeavour-Activities associated with the production and performance of literary, artistic, architectural and other imaginative, interpretive or inventive works; and/or associated with the production and expression of cultural phenomena; and/or environments that have inspired such creative activities.	Interior design styles and periods - Victorian-
8. Culture-Developing cultural institutions and ways of life	Creative endeavour-Activities associated with the production and performance of literary, artistic, architectural and other imaginative, interpretive or inventive works; and/or associated with the production and expression of cultural phenomena; and/or environments that have inspired such creative activities.	Landscaping - 20th century post WW2-
8. Culture-Developing cultural institutions and ways of life	Creative endeavour-Activities associated with the production and performance of literary, artistic, architectural and other imaginative, interpretive or inventive works; and/or associated with the production and expression of cultural phenomena; and/or environments that have inspired such creative activities.	Interior design styles and periods - Edwardian-
8. Culture-Developing cultural institutions and ways of life	Domestic life-Activities associated with creating, maintaining, living in and working around houses and institutions.	Ways of life 1850-1900-
8. Culture-Developing cultural institutions and ways of life	Domestic life-Activities associated with creating, maintaining, living in and working around houses and institutions.	Ways of life 1900-1950-
8. Culture-Developing cultural institutions and ways of life	Domestic life-Activities associated with creating, maintaining, living in and working around houses and institutions.	Ways of life 1950-2000-
8. Culture-Developing cultural institutions and ways of life	Domestic life-Activities associated with creating, maintaining, living in and working around houses and institutions.	Living above a shop or office-
8. Culture-Developing cultural institutions and ways of life	Domestic life-Activities associated with creating, maintaining, living in and working around houses and institutions.	Living in suburbia-
8. Culture-Developing cultural institutions and ways of life	Domestic life-Activities associated with creating, maintaining, living in and working around houses and institutions.	Holidaying near the sea-
8. Culture-Developing cultural institutions and ways of life	Domestic life-Activities associated with creating, maintaining, living in and working around houses and institutions.	Living in, adapting and renovating homes for changing conditions-
8. Culture-Developing cultural institutions and ways of life	Domestic life-Activities associated with creating, maintaining, living in and working around houses and institutions.	Living in converted commercial premises-

Assessment of significance


SHR Criteria a) [Historical significance]	The former CBC Bank was constructed c1880 to designs of Mansfield Bros for Commercial Banking Company of Sydney Ltd. (Branch Managers Report to Heritage Council 14 January 1981)
SHR Criteria c) [Aesthetic significance]	It comes within the Mansfield genre of substantial and impressive two-storey Italianate style banks. Situated adjacent to the Bank of New South Wales building, also by Mansfield Bros and near Kiama Post Office and other early commercial and civic premises, the former CBC bank is an important component of Kiama's townscape and a reminder of the town's elegant past. (Branch Managers Report to Heritage Council 14 January 1981)
Integrity/Intactness:	The building retains much of its original detail and joinery. (Branch Managers Report to Heritage Council 14 January 1981)
Assessment criteria:	Items are assessed against the State Heritage Register (SHR) Criteria to determine the level of significance. Refer to the Listings below for the level of statutory protection.

Recommended management:

Recommendations

Management Category	Description	Date Updated
Recommended Management	Produce a Conservation Management Plan (CMP)
Recommended Management	Prepare a maintenance schedule or guidelines
Recommended Management	Carry out interpretation, promotion and/or education

Procedures /Exemptions

Section of act	Description	Title	Comments	Action date
57(2)	Exemption to allow work	Standard Exemptions	HERITAGE ACT 1977 ORDER UNDER SECTION 57(2) TO GRANT STANDARD EXEMPTIONS FROM APPROVAL I, Penny Sharpe, the Minister for Heritage, on the recommendation of the Heritage Council of New South Wales and under section 57(2) of the Heritage Act 1977: revoke the order made on 2 June 2022 and published in the Government Gazette Number 262 of 17 June 2022; and grant an exemption from section 57(1) of the Act in respect of the engaging in or carrying out the class of activities described in clause 2 Schedule A in such circumstances specified by the relevant standards in clause 2 Schedule A and General Conditions in clause 3 Schedule A. This Order takes effect on the date it is published in the NSW Government Gazette. Dated this 29th day of October 2025 The Hon Penny Sharpe MLC Minister for Heritage For more information on standard exemptions click on the link below.	Nov 7 2025

Standard exemptions for engaging in or carrying out activities / works otherwise prohibited by section 57(1) of the Heritage Act 1977

Listings

Heritage Listing	Listing Title	Listing Number	Gazette Date	Gazette Number	Gazette Page
Heritage Act - State Heritage Register		00143	02 Apr 99	27	1546
Heritage Act - Permanent Conservation Order - former		00143	17 Jul 81	102	3846
State Environmental Planning Policy	Illawarra REP No.1		11 Apr 86
Local Environmental Plan			19 Jul 96

Study details

Title	Year	Number	Author	Inspected by	Guidelines used
Ku-ring-gai Potential Heritage Conservation Areas North Review, 11/2010	2010		Paul Davies P/L		Yes

References, internet links & images

Type	Author	Year	Title	Internet Links
Written		1981	Branch Managers Report to Heritage Council 14 January 1981
Written	Dillon, Steve	1991	Kiama Walk (brochure)
Written	Heritage Council of NSW	1986	'Kiama's Heritage Precinct'
Written	Thorpe, W.	1940	List of NSW Aboriginal place names and their meanings	View detail

Note: internet links may be to web pages, documents or images.

(Click on thumbnail for full size image and image details)

Data source


The information for this entry comes from the following source:
Name:	Heritage NSW
Database number:	5045696
File number:	S90/05746 & HC 32558

Every effort has been made to ensure that information contained in the State Heritage Inventory is correct. If you find any errors or omissions please send your comments to the Database Manager.

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