Nicholas D. Fratt established a robust career in banking and public service. He founded the Racine County Bank, serving as its President for nearly five decades. Fratt transitioned from the private sector to public service, elected to the Wisconsin State Senate in 1858. Despite unsuccessful bids for the U.S. House of Representatives and the governorship, his leadership in banking and community development left a lasting legacy.

Nicholas D. Fratt's political career reveals an intriguing blend of local economic stewardship and broader electoral ambitions. His establishment of Racine County Bank and his banking leadership illustrate a deeply rooted commitment to local economic development. Despite his electoral setbacks in congressional and gubernatorial races, Fratt's legislative focus on regional industrial interests suggests a calculated approach to policymaking. His personal life, marked by significant family milestones and community contributions, adds layers to his public persona, hinting at a politician deeply intertwined with his local constituency.