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EXHIBIT 21SUBSIDIARIES OF THE REGISTRANT
Capitol Bancorp Ltd.
December 31, 2005
 Page 1 of 2
 State or OtherJurisdictionName of Subsidiary
    
    of IncorporationConsolidated Subsidiaries:Ann Arbor Commerce Bank
    
    MichiganBrighton Commerce Bank
    
    MichiganCapitol National Bank
    
    United States (national bank)Detroit Commerce Bank
    
    MichiganElkhart Community Bank
    
    IndianaFirst Carolina State Bank
    
    North CarolinaGoshen Community Bank
    
    IndianaGrand Haven Bank
    
    MichiganKent Commerce Bank
    
    MichiganMacomb Community Bank
    
    MichiganMuskegon Commerce Bank
    
    MichiganOakland Commerce Bank
    
    MichiganParagon Bank & Trust
    
    MichiganPeoples State Bank (62% owned)
    
    GeorgiaPortage Commerce Bank
    
    MichiganArrowhead Community Bank
    
    ArizonaBank of Escondido (51% owned)
    
    CaliforniaBank of Las Vegas
    
    NevadaBank of San Francisco (51% owned)
    
    CaliforniaBank of Tucson
    
    ArizonaBlack Mountain Community Bank
    
    NevadaCamelback Community Bank
    
    ArizonaDesert Community Bank
    
    NevadaEast Valley Community Bank
    
    ArizonaFort Collins Commerce Bank (51% owned)
    
    ColoradoMesa Bank
    
    ArizonaNapa Community Bank (87% owned)
    
    CaliforniaPoint Loma Community Bank (51% owned)
    
    CaliforniaRed Rock Community Bank
    
    NevadaSouthern Arizona Community Bank
    
    ArizonaSunrise Bank of Albuquerque
    
    New MexicoSunrise Bank of Arizona
    
    ArizonaSunrise Bank of San Diego
    
    CaliforniaValley First Community Bank
    
    ArizonaYuma Community Bank
    
    ArizonaCapitol Trust I
    
    DelawareCapitol Trust II
    
    DelawareCapitol Statutory Trust III
    
    ConnecticutCapitol Trust IV
    
    DelawareCapitol Trust VI
    
    DelawareCapitol Trust VII
    
    DelawareCapitol Statutory Trust VIII
    
    ConnecticutCapitol Trust IX
    
    Delaware




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EXHIBIT 21SUBSIDIARIES OF THE REGISTRANT  continued:
Capitol Bancorp Ltd.
December 31, 2005
 Page 2 of 2
 State or OtherJurisdictionName of Subsidiary
    
    of IncorporationConsolidated Subsidiaries  continued:Capitol Development Bancorp Limited I (8% owned)
    
    MichiganBank of Belleville (51% owned by CDBL-I)
    
    IllinoisBank of Michigan (51% owned by CDBL-I)
    
    MichiganCapitol Development Bancorp Limited II (9% owned)
    
    MichiganBank of Auburn Hills (51% owned by CDBL-II)
    
    MichiganBank of Bellevue (51% owned by CDBL-II)
    
    WashingtonCapitol Development Bancorp Limited III (6% owned)
    
    MichiganBank of Santa Barbara (51% owned by CDBL-III)
    
    CaliforniaSummit Bank of Kansas City (55% owned by CDBL-III)
    
    MissouriCapitol Development Bancorp Limited IV (7% owned)
    
    MichiganCapitol Wealth, Inc. (100% owned by CDBL-IV)
    
    MichiganCapitol Capital, LLC
    
    MichiganCapitol Bancorp Leasing, Inc.
    
    MichiganUnconsolidated Subsidiary:Amera Mortgage Corporation, Inc.
    
    Michigan(less than 50% owned equity method investee)Inactive subsidiaries:MOI, Inc.
    
    Michigan(wholly-owned subsidiary of
Oakland Commerce Bank)Financial Center Corporation
    
    Michigan