The town that we claimed didn't have a bank ruin (I can see bank ruins in all the other unclaimed towns I've been in).
Location: -2000 W -1650N (Valhalla)

We have started building in the spot where it was probably supposed to be. We incorrectly assumed that we could build the bank ourselves later on.

We also have an issue like this, this is what we have found:
There are some squares where we can't build roads, and in most of them, the resources there can't be harvested. When placing, the blueprint is marked blue, trying to place a road will cancel the blueprint but nothing happens.

Here's some of them:
-1988 W -1692 N
-2036 W -1660 N
-1963 W -1692 N

The town that we claimed didn't have a bank ruin (I can see bank ruins in all the other unclaimed towns I've been in).
Location: -2000 W -1650N (Valhalla)

We have started building in the spot where it was probably supposed to be. We incorrectly assumed that we could build the bank ourselves later on.