|  Name of      Subsidiary                             | State      or Other Jurisdictionof      Incorporation  |
|-----------------------------------------------------------|-------------------------------------------------------------|
| Consolidated      Subsidiaries:                      |                                                        |
| Bank      of Belleville (51% owned)                       | Illinois                                                    |
| Bank      of Bellevue (51% owned)                         | Washington                                                  |
| Bank      of Escondido                                    | California                                                  |
| Bank      of Las Vegas                                    | Nevada                                                      |
| Bank      of Michigan (51% owned)                         | Michigan                                                    |
| Bank      of San Francisco (51% owned)                    | California                                                  |
| Bank      of Tucson                                       | Arizona                                                     |
| Black      Mountain Community Bank                        | Nevada                                                      |
| Capitol      National Bank                                | United      States (national bank)                          |
| Central      Arizona Bank (72% owned)                     | Arizona                                                     |
| Desert      Community Bank                                | Nevada                                                      |
| Elkhart      Community Bank                               | Indiana                                                     |
| First      Carolina State Bank (89% owned)                | North      Carolina                                         |
| Goshen      Community Bank                                | Indiana                                                     |
| Michigan      Commerce Bancorp Limited                    | Michigan                                                    |
| (95%      owned by Capitol Bancorp Limited and            |                                                        |
| 5%      owned by Capitol Development Bancorp Limited III) |                                                        |
| Bank      of Auburn Hills (100% owned)                    | Michigan                                                    |
| Michigan      Commerce Bank (100% owned)                  | Michigan                                                    |
| Napa      Community Bank (87% owned)                      | California                                                  |
| Paragon      Bank & Trust                             | Michigan                                                    |
| Capitol      Wealth Insurance Agency, Inc. (100% owned)   | Michigan                                                    |
| BAIA      Acquisition Company, LLC (100% owned)           | Michigan                                                    |
| Peoples      State Bank                                   | Georgia                                                     |
| 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                                                  |
|                                                      |                                                        |
| 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                                                    |
| Capitol      Trust X                                      | Delaware                                                    |
| Capitol      Trust XI                                     | Delaware                                                    |
| Capitol      Trust XII                                    | Delaware                                                    |

----

|  Name of      Subsidiary                             | State      or Other Jurisdictionof      Incorporation  |
|-----------------------------------------------------------|-------------------------------------------------------------|
| Consolidated      Subsidiaries—continued:      |                                                        |
| Capitol      Bancorp Colorado Ltd. (100% owned)           | Colorado                                                    |
| Fort      Collins Commerce Bank (51% owned)               | Colorado                                                    |
|                                                      |                                                        |
| Capitol      Bancorp Colorado Ltd. II (100% owned)        | Colorado                                                    |
| Larimer      Bank of Commerce (51% owned)                 | Colorado                                                    |
| Loveland      Bank of Commerce (51% owned)                | Colorado                                                    |
|                                                      |                                                        |
| Capitol      Development Bancorp Limited IV (51% owned)   | Michigan                                                    |
| Capitol      Wealth, Inc. (100% owned)                    | Michigan                                                    |
| Capitol      Wealth Asset Management, LLC (100% owned)    | Michigan                                                    |
| Ft.      Myers Holdings, LLC (51% owned)                  | Michigan                                                    |
| Bank      of Valdosta (56% owned)                         | Georgia                                                     |
| Evansville      Commerce Bank (51% owned)                 | Indiana                                                     |
| Sunrise      Bank of Atlanta (51% owned)                  | Georgia                                                     |
|                                                      |                                                        |
| Capitol      Development Bancorp Limited V (51% owned)    | Michigan                                                    |
| 1st      Commerce Bank (51% owned)                        | Nevada                                                      |
| Adams      Dairy Bank (51% owned)                         | United      States (federal savings bank)                   |
| Bank      of Everett (51% owned)                          | Washington                                                  |
| Bank      of Feather River (51% owned)                    | California                                                  |
| Bank      of Maumee (51% owned)                           | United      States (federal savings bank)                   |
| Ohio      Commerce Bank (51% owned)                       | United      States (federal savings bank)                   |
|                                                      |                                                        |
| Capitol      Development Bancorp Limited VI (51% owned)   | Michigan                                                    |
| Bank      of Fort Bend (51% owned)                        | United      States (federal savings bank)                   |
| Bank      of Las Colinas (51% owned)                      | United      States (federal savings bank)                   |
| Bank      of Tacoma (51% owned)                           | Washington                                                  |
| High      Desert Bank (55% owned)                         | United      States (federal savings bank)                   |
| Issaquah      Community Bank (51% owned)                  | Washington                                                  |
| Sunrise      Community Bank (51% owned)                   | California                                                  |
| USNY      Bank (51% owned)                                | New      York                                               |
|                                                      |                                                        |
| Capitol      Development Bancorp Limited VII (51% owned)  | Michigan                                                    |
| Capitol      Bancorp Colorado Ltd. III (100% owned)       | Colorado                                                    |
| Mountain      View Bank of Commerce (51% owned)           | Colorado                                                    |
| Community      Bank of Lincoln (51% owned)                | United      States (federal savings bank)                   |
| Pisgah      Community Bank (51% owned)                    | North      Carolina                                         |
|                                                      |                                                        |
| Capitol      Development Bancorp Limited VIII (14% owned) | Michigan                                                    |
|                                                      |                                                        |
| Capitol      Bean Counter, LLC                            | Michigan                                                    |
|                                                      |                                                        |
| Capitol      Capital, LLC                                 | Michigan                                                    |
|                                                      |                                                        |
| Capitol      Bancorp Leasing, Inc.                        | Michigan                                                    |
|                                                      |                                                        |
| CBL      Real Estate Holdings, LLC                        | Michigan                                                    |
|                                                      |                                                        |

----

|  Name of      Subsidiary                                                                    | State      or Other Jurisdictionof      Incorporation  |
|--------------------------------------------------------------------------------------------------|-------------------------------------------------------------|
| Unconsolidated      Subsidiaries:                                                                |                                                        |
|                                                                                             |                                                        |
| Amera      Mortgage Corporation, Inc.(less      than 50% owned by equity method investee)        | Michigan                                                    |
|                                                                                             |                                                        |
| Capitol      Development Bancorp Limited III(less      than 50% owned by equity method investee) | Michigan                                                    |
| Community      Bank of Rowan (51% owned)                                                         | North      Carolina                                         |
| Summit      Bank of Kansas City (55% owned)                                                      | Missouri                                                    |
|                                                                                             |                                                        |
| Inactive      Subsidiaries:                                                                      |                                                        |
|                                                                                             |                                                        |
| CBL      R E Holdings, LLC                                                                       | Michigan                                                    |
|                                                                                             |                                                        |
| CBL      R E Holdings II, LLC                                                                    | Michigan                                                    |
|                                                                                             |                                                        |
| CBL      R E Holdings III, LLC                                                                   | Michigan                                                    |
|                                                                                             |                                                        |
| MOI,      Inc.(wholly-owned      subsidiary of Michigan Commerce Bank)                           | Michigan                                                    |
|                                                                                             |                                                        |