Capitol Bancorp Center
200 Washington Sq. North
Lansing, MI 48933

2777 East Camelback Road
Suite 375
Phoenix, AZ 85016

Analyst Contact:
Michael M. Moran
Chief of Capital Markets
877-884-5662

LANSING, Mich., and PHOENIX, Ariz: July 19, 2005: Capitol Bancorp Limited (NYSE:CBC) will be a featured presenter at the Sixth Annual Community Bank Investor Conference hosted by Keefe, Bruyette & Woods, Inc., in New York City on July 26, 2005.

Capitol Bancorp Chairman and CEO Joseph D. Reid will be joined by Capitol Bancorp's Chief Financial Officer, Lee W. Hendrickson, and Chief of Capital Markets, Michael M. Moran, in providing an overview of the company's unique operating model, financial performance and major strategic initiatives to institutional investors, securities analysts and investment bankers who focus on the community banking industry.

Capitol Bancorp also will provide an update on the company's development activities. The Corporation recently opened three new community banks: Bank of Bellevue in Bellevue, Washington, and Fort Collins Commerce Bank of Fort Collins, Colorado, which both opened in June; and Bank of Auburn Hills in Auburn Hills, Michigan, which opened in mid-July. Bank of Bellevue and Fort Collins Commerce Bank represent Capitol Bancorp's initial entrance into the states of Washington and Colorado, respectively. In addition, the Corporation has publicly announced that applications have been filed for two other de novo community banks, and it is continuing its development efforts with other potential organizations throughout the country.

Capitol Bancorp's 25-minute presentation will be web cast on Tuesday, July 26, 2005 at 3:30 p.m. EDT. The web cast can be accessed at www.kbw.com. There is no charge to access the presentation and it is open to media, investors, shareholders and other interested parties. The presentation will be available at www.kbw.com for 60 days following the conference.

About Capitol Bancorp Limited
Capitol Bancorp Limited is a $3.3 billion community bank development company, with 37 individual banks and bank operations in eleven states. Capitol Bancorp Limited identifies opportunities for the development of new community banks, raises capital for investment in banks, mentors its community banks through their formative stages and manages its investments in community banks. Each community bank has full local decision-making authority and is managed by an on-site president under the direction of a local board of directors composed of business leaders from the bank's community. Capitol Bancorp Limited was founded in 1988 and has headquarters in Lansing, Mich. and Phoenix, Ariz.