The remainder of the ground floor is occupied by the bank and used for offices, storage and staff facilities. Due to the slope in Stokes Street the northern end of the ground floor has been built at a higher level. An additional ground floor entrance on Stokes Street opens directly into the higher level. Entrances to the upper floors are located on both Flinders and Stokes Streets. The Flinders street entrance, located in the banded section of wall on the southern end of the colonnade, leads to an entry vestibule and dogleg staircase. The stair, which extends to the third level, has terrazzo treads and risers, a timber handrail and a decorative iron balustrade. The Stokes Street entrance to the second level is less prominent, being positioned in a gap between the rendered and the brick sections of the building. The stair at this entrance is a single straight flight terminating in a landing located closer to the upper level. At the landing, the stair splits into two flights, which run at 90 degrees to the main flight of stairs. The second level consists of a central corridor with offices along the street side of the building and services on the opposite side. Although somewhat altered the second level retains many original details including signage, stair handrails, timber paneled doors, timber and glass partitioning and terrazzo dividers in the toilet cubicles. The third storey, originally a residence, is a tenanted office and training rooms for the bank. It is positioned close to the Flinders Street facade occupying about a third of the area of the floor below. The remainder consists of a large flat roof deck surrounded by the building parapet. The third storey is located behind the parapet and is not very visible from the street. A water tank sits above the roof of the third storey. Westpac Bank was listed on the Queensland Heritage Register on 13 May 2004 having satisfied the following criteria. The place is important in demonstrating the evolution or pattern of Queensland's history. The Westpac Bank, the third location of the Bank of New South Wales in Townsville and one of the largest banking buildings in north Queensland at the time of its construction, demonstrates the evolution of commerce in north Queensland and its contribution to the development of Townsville as a regional centre. The place is important in demonstrating the principal characteristics of a particular class of cultural places. In the choice of a classical style of architecture, central location and arrangement of spaces - a spacious banking chamber combined with shops, tenantable offices and residential accommodation on the roof level - the Westpac Bank is important in illustrating the principal characteristics of an interwar bank in a regional centre.