The Register · Costa Rica
Who lends in Costa Rica, and who owns them.
Loans and deposits of the banks SUGEF lists as state, special-law and private banks (Prival Bank, which left in 2025, drops out after its exit), Jan 2023 to Sep 2026, read from the regulator's own files. Each bank's balance sheet balances, and the banks add up to SUGEF's own sector reports, field by field, every month.
US$48.6bnBank loans, all 14 banks, Sep 2026
61.4%Held by the three largest banks: Banco Nacional, BAC Credomatic Costa Rica, Banco de Costa Rica
+4.0%Change in the system's loan book over twelve months at constant exchange rates
US$13,229Deposit insurance per depositor and per bank
All banks
14 banks, ranked by loans.
| # | Bank | Regional group | Loans, US$m | Share | 12 months | Deposits, US$m | 12 months | Trend |
|---|---|---|---|---|---|---|---|---|
| 1 | Banco NacionalState | 11,820 | 24.30% | +0.9% | 15,796 | – | ||
| 2 | BAC Credomatic Costa Rica | BAC | 9,125 | 18.76% | +5.0% | 10,934 | – | |
| 3 | Banco de Costa RicaState | 8,903 | 18.31% | +7.1% | 11,264 | – | ||
| 4 | Banco PopularSpecial law | 7,413 | 15.24% | +0.1% | 6,252 | – | ||
| 5 | Davibank | Davivienda | 3,177 | 6.53% | +10.2% | 3,387 | – | |
| 6 | Banco Davivienda Costa Rica | 3,161 | 6.50% | +8.1% | 3,123 | – | ||
| 7 | Banco Promerica | 2,073 | 4.26% | +0.7% | 2,210 | – | ||
| 8 | Banco Lafise | 684 | 1.41% | +17.9% | 959 | – | ||
| 9 | Banco BCT | 645 | 1.33% | +5.2% | 802 | – | ||
| 10 | Banco Improsa | 468 | 0.96% | +7.0% | 399 | – | ||
| 11 | BANHVISpecial law | 456 | 0.94% | -0.3% | 0 | – | ||
| 12 | Banco General Costa Rica | 255 | 0.52% | -2.1% | 254 | – | ||
| 13 | Banco CMB | 248 | 0.51% | +9.8% | 1,357 | – | ||
| 14 | Banco Cathay | 209 | 0.43% | -0.1% | 316 | – |
Loans: Gross loans (current and late up to 90 days, plus over 90 days and in collection). Twelve-month changes at constant exchange rates. No deposit change: SUGEF publishes no deposits-by-currency split. Trend: quarter-ends in local currency as reported, latest month last.
Safety net and sources
What stands behind a deposit.
- ₡6,000,000 per person and per bank, about US$13,229, whatever the currency of the deposit; principal only (Fondo de Garantía de Depósitos, BCCR). BANHVI is outside the fund. At the two state commercial banks, Banco Nacional and Banco de Costa Rica, the fund pays first and the State's guarantee covers balances above ₡6m (FGD rules, art. 19; Ley 1644, art. 4).
Fondo de Garantía de Depósitos · Banco Central de Costa Rica · sha256 73a5a59e4c7e
Reglamento de gestión del FGD y de las OFG, v5 (19 Aug 2024), art. 19 and considerando IX · SUGEF / CONASSIF · sha256 fe5ca02375c1 - SUGEF, colones; dollar figures at 453.56 per US$ for every month (US Treasury, 30 Sep 2026); twelve-month loan changes at constant exchange rates.
- Balance de situación, análisis financiero: Banco de Costa Rica · SUGEF · sha256 5ec64f176700
- Balance de situación, análisis financiero: Banco Nacional · SUGEF · sha256 aeedaef862f8
- Balance de situación, análisis financiero: BANHVI · SUGEF · sha256 30700dc4cda2
- Balance de situación, análisis financiero: Banco Popular · SUGEF · sha256 e791c74f6b65
- Balance de situación, análisis financiero: BAC Credomatic Costa Rica · SUGEF · sha256 8f4f335c6d39
- Balance de situación, análisis financiero: Banco Lafise · SUGEF · sha256 b9f87bf9efe4
- Balance de situación, análisis financiero: Davibank · SUGEF · sha256 a10d08207c94
- Balance de situación, análisis financiero: Banco BCT · SUGEF · sha256 6dfc366b4a8b
- Balance de situación, análisis financiero: Banco Improsa · SUGEF · sha256 52634d5da806
- Balance de situación, análisis financiero: Prival Bank · SUGEF · sha256 883c153f7dd2
- Balance de situación, análisis financiero: Banco Promerica · SUGEF · sha256 3d7e1bb23568
- Balance de situación, análisis financiero: Banco Cathay · SUGEF · sha256 d9372ccd85f3
- Balance de situación, análisis financiero: Banco General Costa Rica · SUGEF · sha256 af8137d2b995
- Balance de situación, análisis financiero: Banco Davivienda Costa Rica · SUGEF · sha256 cf56aa5eaecf
- Balance de situación, análisis financiero: Banco CMB · SUGEF · sha256 988498f8a9d4
- Balance de situación, análisis financiero, sector 1 · SUGEF · sha256 d2b5f2e2c8d9
- Balance de situación, análisis financiero, sector 2 · SUGEF · sha256 f1587103248f
- Balance de situación, análisis financiero, sector 3 · SUGEF · sha256 b036176fd956
- Treasury Reporting Rates of Exchange, 30 Sep 2026 (Costa Rica-Colon 453.56) · US Treasury, Bureau of the Fiscal Service · sha256 2425b90d9e6a
- Catálogo de entidades supervisadas · SUGEF · sha256 eb37cbbdf0cb
- Cartera por tipo de moneda y persona, septiembre 2025 · SUGEF · sha256 31471d7b99c8
- Cartera por tipo de moneda y persona, septiembre 2026 · SUGEF · sha256 ac5b419f71a5