**EXHIBIT      21--SUBSIDIARIES OF THE REGISTRANT**

**Capitol      Bancorp Ltd.**

**December      31, 2006**

**Page      **
**1      of 3**

|  **Name                of Subsidiary**          |   | **State                or Other****Jurisdiction****of                Incorporation** |
|------------------------------------------------------|--------|--------------------------------------------------------------------------------------|
|                                                 |   |                                                                                 |
| Consolidated                Subsidiaries:            |   |                                                                                 |
|                                                 |   |                                                                                 |
| Ann                Arbor Commerce Bank               |   | Michigan                                                                             |
| Brighton                Commerce Bank                |   | Michigan                                                                             |
| Capitol                National Bank                 |   | United                States (national bank)                                         |
| Detroit                Commerce Bank                 |   | Michigan                                                                             |
| Elkhart                Community Bank                |   | Indiana                                                                              |
| First                Carolina State Bank             |   | North                Carolina                                                        |
| Goshen                Community Bank                 |   | Indiana                                                                              |
| Grand                Haven Bank                      |   | Michigan                                                                             |
| Kent                Commerce Bank                    |   | Michigan                                                                             |
| Macomb                Community Bank                 |   | Michigan                                                                             |
| Muskegon                Commerce Bank                |   | Michigan                                                                             |
| Oakland                Commerce Bank                 |   | Michigan                                                                             |
| Paragon                Bank & Trust              |   | Michigan                                                                             |
| Peoples                State Bank                    |   | Georgia                                                                              |
| Portage                Commerce Bank                 |   | Michigan                                                                             |
|                                                 |   |                                                                                 |
| Arrowhead                Community Bank              |   | Arizona                                                                              |
| Bank                of Escondido                     |   | California                                                                           |
| Bank                of Las Vegas                     |   | Nevada                                                                               |
| Bank                of San Francisco (51% owned)     |   | California                                                                           |
| Bank                of Tucson                        |   | Arizona                                                                              |
| Black                Mountain Community Bank         |   | Nevada                                                                               |
| Camelback                Community Bank              |   | Arizona                                                                              |
| Desert                Community Bank                 |   | Nevada                                                                               |
| East                Valley Community Bank            |   | Arizona                                                                              |
| Mesa                Bank                             |   | Arizona                                                                              |
| Napa                Community Bank (87% owned)       |   | California                                                                           |
| Point                Loma Community Bank (51% owned) |   | California                                                                           |
| Red                Rock Community Bank               |   | Nevada                                                                               |
| Southern                Arizona Community Bank       |   | Arizona                                                                              |
| Sunrise                Bank of Albuquerque           |   | New                Mexico                                                            |
| Sunrise                Bank of Arizona               |   | Arizona                                                                              |
| Sunrise                Bank of San Diego             |   | California                                                                           |
| Valley                First Community Bank           |   | Arizona                                                                              |
| Yuma                Community Bank                   |   | Arizona                                                                              |
|                                                 |   |                                                                                 |
| Capitol                Trust I                       |   | Delaware                                                                             |
| Capitol                Trust II                      |   | Delaware                                                                             |
| Capitol                Statutory Trust III           |   | Connecticut                                                                          |
| Capitol                Trust IV                      |   | Delaware                                                                             |
| Capitol                Trust VI                      |   | Delaware                                                                             |
| Capitol Trust                VII                |   | Delaware                                                                             |
| Capitol Statutory                Trust VIII     |   | Connecticut                                                                          |
| Capitol                Trust IX                      |   | Delaware                                                                             |

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**EXHIBIT      21--SUBSIDIARIES OF THE REGISTRANT**

**Capitol      Bancorp Ltd.**

**December      31, 2006**

**Page      **
**2      of 3**

|  **Name                of Subsidiary**                                                                   |   | **State                or Other****Jurisdiction****of                Incorporation** |
|---------------------------------------------------------------------------------------------------------------|--------|--------------------------------------------------------------------------------------|
|                                                                                                          |   |                                                                                 |
| Consolidated                Subsidiaries—continued:                                                     |   |                                                                                 |
|                                                                                                          |   |                                                                                 |
| Capitol                Bancorp Colorado Ltd. (100% owned)                                                     |   | Lansing                                                                              |
| Fort                Collins Commerce Bank (51% owned)                                                         |   | Colorado                                                                             |
|                                                                                                          |   |                                                                                 |
| Capitol                Development Bancorp Limited I (100% owned)                                             |   | Michigan                                                                             |
| Bank                of Belleville (51% owned by CDBL-I)                                                       |   | Illinois                                                                             |
| Bank                of Michigan (51% owned by CDBL-I)                                                         |   | Michigan                                                                             |
|                                                                                                          |   |                                                                                 |
| Capitol                Development Bancorp Limited II (9% owned)                                              |   | Michigan                                                                             |
| Bank                of Auburn Hills (51% owned by CDBL-II)                                                    |   | Michigan                                                                             |
| Bank                of Bellevue (51% owned by CDBL-II)                                                        |   | Washington                                                                           |
|                                                                                                          |   |                                                                                 |
| Capitol                Development Bancorp Limited III (6% owned)                                             |   | Michigan                                                                             |
| Bank                of Santa Barbara (51% owned by CDBL-III)                                                  |   | California                                                                           |
| Community                Bank of Rowan (51% owned by CDBL-III)                                                |   | North                Carolina                                                        |
| Summit                Bank of Kansas City (55% owned by CDBL-III)                                             |   | Missouri                                                                             |
|                                                                                                          |   |                                                                                 |
| Capitol                Development Bancorp Limited IV (7% owned)                                              |   | Michigan                                                                             |
| Capitol                Wealth, Inc. (100% owned by CDBL-IV)                                                   |   | Michigan                                                                             |
| Asian                Bank of Arizona (51% owned by CDBL-IV)                                                   |   | Arizona                                                                              |
| Bank                of Valdosta (56% owned by CDBL-IV)                                                        |   | Georgia                                                                              |
| Evansville                Commerce Bank (51% owned by CDBL-IV)                                                |   | Indiana                                                                              |
| Sunrise                Bank of Atlanta (51% owned by CDBL-IV)                                                 |   | Georgia                                                                              |
|                                                                                                          |   |                                                                                 |
| Capitol                Development Bancorp Limited V (6% owned)                                               |   | Michigan                                                                             |
| 1st                Commerce Bank (51% owned by CDBL-V)                                                        |   | Nevada                                                                               |
| Bank                of Everett (51% owned by CDBL-V)                                                          |   | Washington                                                                           |
| Bank                of Maumee (51% owned by CDBL-V)                                                           |   | Ohio                                                                                 |
| Ohio                Commerce Bank (51% owned by CDBL-V)                                                       |   | Ohio                                                                                 |
|                                                                                                          |   |                                                                                 |
| Capitol                Development Bancorp Limited VI (6% owned)                                              |   | Michigan                                                                             |
|                                                                                                          |   |                                                                                 |
| Capitol                Capital, LLC                                                                           |   | Michigan                                                                             |
|                                                                                                          |   |                                                                                 |
| Capitol                Bancorp Leasing, Inc.                                                                  |   | Michigan                                                                             |
|                                                                                                          |   |                                                                                 |
| Unconsolidated                Subsidiary:                                                                     |   |                                                                                 |
|                                                                                                          |   |                                                                                 |
| Amera                Mortgage Corporation, Inc.(less                than 50% owned by equity method investee) |   | Michigan                                                                             |

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**EXHIBIT      21--SUBSIDIARIES OF THE REGISTRANT**

**Capitol      Bancorp Ltd.**

**December      31, 2006**

**Page      **
**3      of 3**

| **Name                of Subsidiary**                                                     |   | **State                or Other****Jurisdiction****of                Incorporation** |
|-------------------------------------------------------------------------------------------|--------|--------------------------------------------------------------------------------------|
|                                                                                      |   |                                                                                 |
| Inactive                Subsidiries:                                                      |   |                                                                                 |
|                                                                                      |   |                                                                                 |
| MOI,                Inc.(wholly-owned                subsidiary of Oakland Commerce Bank) |   | Michigan                                                                             |
|                                                                                      |   |                                                                                 |
| Financial                Center Corporation                                               |   | Michigan                                                                             |