The Bank’s history dates back to the late eighteenth century, with a possible starting date of 1782. The first partnership was with Joseph Parr, a sugar boiler, his brother-in-law Matthew Lyon, and Walter Kerfoot, a solicitor. Partnership names changed and the firm was variously known as Parr & Co, and Parr, Lyon; more colloquially it was known as The Warrington Bank. Parr’s remained essentially a local bank with offices in Warrington, Runcorn and St Helens until 1865 when the it became a joint stock bank under the name Parr’s Banking Company. Helped by a series of acquisitions, including the National Bank of Liverpool, Parr’s built up its presence in Cheshire, Lancashire and Staffordshire; by 1890 there were 22 branches and 21 sub-branches. The Bank’s most important strategic move came in 1891 when it purchased the small London bank of Fuller, Banbury, Nix & Co.. This gave Parr’s a seat on the London Clearing House and, in contrast to the nearby Bank of Liverpool it immediately moved the head office down to London. With Fuller giving the Bank an initial London presence, the substance was provided by the acquisition of the Alliance Bank in 1892. The Alliance had emerged from the financial reconstruction which had seen it lose its Liverpool and Manchester offices and now had 12 branches in London; in recognition of Alliance’s importance the name of the Bank was changed to Parr’s Banking Company and the Alliance Bank. Other smaller London banks were acquired and in 1896 it bought the Consolidated Bank, only slightly smaller than the Alliance, but this time a London bank with branches in Manchester. At that point, the name was returned to Parr’s Bank. By the outbreak of war in 1914 Parr’s had almost 400 branches and sub-branches. In 1918 Parr’s agreed to amalgamate with the London County and Westminster Bank. The Chairman of Parr’s made the case: “We gain access to a very large area in the Home Counties. They gain a first-class introduction to Lancashire & beyond.
