Banana chocolate chip bread is a comforting quick bread that blends ripe bananas with rich chocolate chips for a soft, moist loaf. This recipe is a popular choice because it uses everyday ingredients and requires minimal preparation. With the natural sweetness of bananas and the richness of chocolate, this bread delivers consistent flavor in every slice.

The key to great banana chocolate chip bread is using ripe bananas. As bananas ripen, their sugars intensify, contributing moisture and depth of flavor. When combined with chocolate chips, the result is a balanced loaf that’s sweet without being overwhelming. Gentle mixing helps maintain a tender crumb while ensuring even distribution of ingredients.

This banana bread with chocolate chips works well for breakfast, snacking, or dessert. Its structure allows it to slice cleanly, making it ideal for serving or storing. The loaf bakes evenly and holds moisture well, which is essential for quick breads intended to last several days.

Because it’s considered an easy banana bread, this recipe is approachable for beginners while still delivering bakery-style results. It’s also a practical way to reduce food waste by using overripe bananas that might otherwise be discarded.

Substitutions & Variations

Flour swap: Replace half the all-purpose flour with whole wheat flour for added structure.
Chocolate options: Use dark chocolate chunks, mini chips, or dairy-free chocolate.
Sweetener variation: Substitute part of the sugar with honey or maple syrup (reduce liquid slightly).
Nut add-ins: Fold in chopped walnuts or pecans for texture.
Dairy-free option: Use plant-based butter and milk alternatives.

These variations keep banana chocolate chip bread moist while offering customization.

Published by: Priscilla Michele

Banana Chocolate Chip Bread

This Banana Chocolate Chip Bread is soft, rich, and full of banana flavor — with a hint of cinnamon and melted chocolate in every bite. Perfect for breakfast, brunch, or an afternoon treat, this recipe uses simple ingredients to create a bakery-style loaf that’s sure to impress.

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Prep Time 15

Cook Time 1

Total Time 1 15

Servings: 10

Ingredients Equipment Method Notes

Ingredients

2 cups all purpose flour
1 tsp baking soda
1 tsp salt
1 tsp cinnamon
1/2 cup vegetable oil
1/2 cup unsalted butter, melted
1/2 cup granulated sugar
1/2 cup light brown sugar, packed
2 large eggs
1 tsp vanilla extract
1/2 cup sour cream
3-4 very ripe bananas, mashed
1 cup semi-sweet chocolate chips (optional)

Equipment

Mixing bowls
Hand mixer
Loaf pan
Rubber spatula
Cooling rack
Measuring cups & spoons

Method

Preheat Oven:
Preheat your oven to 350°F (175°C). Line a 9×5-inch loaf pan with parchment paper or lightly grease it.
Mix Dry Ingredients:
In a medium bowl, whisk together the flour, baking soda, salt, and cinnamon until combined. Set aside.
Combine Wet Ingredients:
In a large mixing bowl, add the vegetable oil, melted butter, granulated sugar, and brown sugar. Mix until smooth and well incorporated.
Add Eggs and Vanilla:
Beat in the eggs one at a time, then add vanilla extract and mix until combined.
Incorporate Dry Ingredients:
Gently fold in half of the dry mixture, then add the sour cream. Stir until combined. Add the remaining dry mixture and mix until the batter is smooth.
Add Bananas (and Chocolate Chips):
Fold in the mashed bananas and chocolate chips until evenly distributed. Avoid overmixing.
Bake the Bread:
Pour the batter into the prepared loaf pan and smooth the top. Bake for 60 minutes, or until a toothpick inserted into the center comes out clean.
Cool and Serve:
Allow the bread to cool in the pan for 10 minutes, then transfer to a wire rack to cool completely before slicing.

Notes

🍌 Tips for the Best Banana Bread:

Use overripe bananas — the darker the better!
For extra flavor, sprinkle a few chocolate chips or walnuts on top before baking.
This bread stays fresh up to 3 days at room temperature or can be frozen for up to 2 months.

Banana chocolate chip bread continues to be a favorite because it strikes the perfect balance between comfort and convenience. The familiar banana flavor paired with pockets of melted chocolate makes this loaf feel indulgent while still being approachable enough for everyday baking. It’s the kind of recipe that fits easily into a regular routine, whether you’re baking to use up ripe bananas or planning something simple to enjoy throughout the week.

What makes banana bread with chocolate chips especially appealing is how adaptable it is to different moments of the day. A slice works just as well alongside a morning cup of coffee as it does as a midday snack or a low-key dessert. The soft crumb and rich chocolate chips create a satisfying texture that doesn’t feel heavy, making this easy banana bread one you can enjoy again and again without it feeling repetitive.

This banana chocolate chip bread is also a recipe that invites sharing. It’s easy to slice, transport, and serve, which makes it a practical option for casual gatherings, potlucks, or thoughtful homemade gifts. Because the loaf holds its structure well, it travels nicely and presents beautifully without needing additional toppings or decoration.

If you enjoy baking classic recipes that deliver reliable results, this banana bread with chocolate chips is one you’ll want to keep in your collection. It uses simple ingredients, follows a straightforward method, and produces a loaf that feels both familiar and satisfying. Recipes like this are often the ones we return to most, not because they are complicated, but because they consistently deliver comfort and flavor.

If you’ve tried this banana chocolate chip bread, I’d love to hear how it turned out for you. Leaving a comment and star rating helps other readers discover the recipe and decide if it’s the right fit for them. If you have questions, serving ideas, or your own variations to share, feel free to leave a comment below. Your feedback helps support the site and makes it possible to continue sharing dependable, easy banana bread recipes you can trust.