Cross & Cross designed the building, with George Maguolo as chief designer, for the City Bank–Farmers Trust Company. Steel work began in late February 1930, and the bank workers moved in on February 24, 1931. Cross & Cross said it had no particular style, though some observers called it Art Deco and others modern classic.
The height conflicts across sources, from 686 feet (209 m) in city records to 760 feet (230 m). Story counts range from 54 to 59. The facade is mostly white Alabama limestone with Mohegan granite on the first story, over a steel frame of 20,200 tons. Interiors use about 300,000 square feet of marble in 45 types.
It was designated a New York City landmark on June 25, 1996. The upper floors were converted to apartments, and the Dermot Company bought it in 2024 for 370 million dollars.
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