Capitol Bancorp Ltd. is a multibank holding company. It operates as a community banking company which has a network of separately chartered banks through U.S. The company through its subsidiaries engages in a single business activity: Banking. Its bank affiliates provides a full range of banking services to individuals, businesses and other customers located in the respective communities of the bank. The company's bank affiliates are focused on the credit and other financial needs of entrepreneurs, professionals and other businesses and individuals. Its services include checking, savings, money market, certificates of deposit and individual retirement accounts. The company was founded by Joseph D. Reid in 1988 and is headquartered in Lansing, MI.