Moist Banana Bread with Chocolate Chips

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This classic banana bread combines ripe mashed bananas with butter, sugar, and eggs for a moist, tender crumb. The beauty of this version lies in its flexibility—choose chocolate chips for richness or nuts for crunch, or combine both for added texture. Baked until golden and cooked through in about an hour, it's perfect warm from the oven with butter or honey.

Updated on Sat, 17 Jan 2026 14:29:00 GMT
A freshly baked loaf of moist Banana Bread Variations, featuring chocolate chips melting in golden crumb, sliced on a rustic wooden board. Pin it
A freshly baked loaf of moist Banana Bread Variations, featuring chocolate chips melting in golden crumb, sliced on a rustic wooden board. | cozybatbout.com

My kitchen counter was cluttered with three very brown bananas when I finally decided to stop ignoring them. I had been meaning to toss them all week, but something made me pull up that banana bread recipe my neighbor had scribbled on a napkin months ago. The house filled with such a warm, sweet smell that my kids came running downstairs asking what magic I was baking. That loaf disappeared before it even cooled completely, and I have been making it ever since.

I baked this for a friend who had just moved into a new apartment and did not have much in her pantry yet. She called me later that night to say it was the first thing that made her new place feel like home. We sat on her floor with mismatched plates, breaking off warm slices and laughing about how simple ingredients can feel like such a gift. That is when I realized this bread is not just about using up fruit, it is about showing up for people.

Ingredients

  • All-purpose flour: The backbone of the loaf, giving it structure without making it heavy or dense.
  • Baking soda: This is what makes the bread rise and stay tender, so do not skip it or substitute with baking powder.
  • Salt: Just a pinch balances the sweetness and makes every other flavor pop.
  • Unsalted butter: Adds richness and moisture, and I always bring it to room temperature so it creams properly with the sugar.
  • Granulated sugar: Sweetens the loaf without overpowering the banana flavor, though brown sugar works beautifully if you want a deeper, caramel note.
  • Eggs: They bind everything together and give the bread a soft, cake-like crumb.
  • Vanilla extract: A teaspoon might seem small, but it adds warmth and rounds out the banana.
  • Ripe bananas: The browner and spottier, the better, they mash easily and bring natural sweetness and moisture.
  • Chocolate chips or nuts: Totally optional, but they turn a simple loaf into something special depending on your mood.

Instructions

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Prep your pan and preheat:
Set your oven to 350°F and grease that loaf pan generously, or line it with parchment for easy removal later. This step matters more than you think, nobody wants banana bread stuck to the pan.
Whisk the dry ingredients:
Combine flour, baking soda, and salt in a medium bowl and set it aside. Whisking now means no lumps later.
Cream butter and sugar:
Beat them together until the mixture looks pale and fluffy, like clouds. This takes a few minutes and adds air to your batter.
Add eggs and vanilla:
Crack in the eggs one at a time, beating after each, then stir in the vanilla. The batter should look smooth and glossy.
Mash and mix in bananas:
Mash those bananas with a fork until they are mostly smooth, then fold them into the wet mixture. Little chunks are fine and add character.
Fold in the dry ingredients:
Add the flour mixture gradually and stir gently, just until you do not see any white streaks. Overmixing makes the bread tough, so stop as soon as it comes together.
Stir in add-ins:
If you are using chocolate chips or nuts, fold them in now with a light hand. I love a mix of both for texture and flavor.
Pour and smooth:
Scrape the batter into your prepared pan and smooth the top with a spatula. It will look thick, and that is exactly right.
Bake until golden:
Slide it into the oven and bake for 55 to 65 minutes, checking with a toothpick at the hour mark. When it comes out clean or with just a crumb or two, you are done.
Cool before slicing:
Let the loaf rest in the pan for 10 minutes, then turn it out onto a wire rack. Patience here is hard but necessary, it needs to set or it will crumble.
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Warm Banana Bread Variations with chopped walnuts, a golden-brown crust, and soft interior, ready to serve with a pat of butter. Pin it
Warm Banana Bread Variations with chopped walnuts, a golden-brown crust, and soft interior, ready to serve with a pat of butter. | cozybatbout.com

One Saturday morning, my daughter asked if we could make banana bread together, and I let her mash the bananas and crack the eggs. She made a mess, and we laughed the whole time, and the loaf came out perfectly imperfect. Now every time I bake it, I think of her little hands covered in batter and how food tastes better when you make it with someone you love.

How to Store and Enjoy

I wrap cooled slices individually in plastic wrap and keep them in an airtight container on the counter for up to four days. If I know I will not finish the loaf in time, I freeze slices with parchment between them, and they thaw beautifully for a quick breakfast. Some mornings I toast a slice and spread a little butter on top, and it tastes like a completely new treat.

Swaps and Variations

You can replace the butter with coconut oil for a dairy-free version, and it adds a subtle tropical note that works so well with banana. I have also swapped white sugar for brown sugar when I want a deeper, molasses-like sweetness. If you are out of vanilla extract, a tiny splash of rum or a sprinkle of cinnamon does wonders. My friend makes hers with a handful of shredded coconut folded in, and it is incredible.

Serving Suggestions

This bread is perfect on its own, but I love serving it warm with a smear of salted butter or a drizzle of honey. It also makes a wonderful base for French toast if you have leftovers, just dip thick slices in egg and fry them up. For a fancier touch, serve it with whipped cream cheese mixed with a little cinnamon.

  • Toast a slice and top it with almond butter and sliced strawberries for breakfast.
  • Crumble it over vanilla ice cream for an easy dessert.
  • Pack slices in lunchboxes with a piece of fruit for an afternoon snack.
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A close-up of moist Banana Bread Variations, loaded with chocolate chips, beside a steaming coffee mug for a cozy breakfast snack. Pin it
A close-up of moist Banana Bread Variations, loaded with chocolate chips, beside a steaming coffee mug for a cozy breakfast snack. | cozybatbout.com

Banana bread has this way of making any day feel a little cozier, a little sweeter. I hope this recipe becomes one you turn to again and again, whether you are rescuing overripe fruit or just craving something warm from the oven.

Recipe FAQs

How do I know when the banana bread is fully baked?

Insert a toothpick into the center of the loaf. It's done when the toothpick comes out clean or with just a few moist crumbs. Baking typically takes 55–65 minutes at 350°F depending on your oven.

Can I make this dairy-free?

Yes, substitute the unsalted butter with coconut oil or plant-based butter in equal amounts. The texture will remain moist and tender with these alternatives.

What type of bananas work best?

Use ripe bananas with brown speckled skin. They have higher natural sugar content and mash more easily, creating a sweeter, more flavorful loaf.

Can I prepare the batter ahead of time?

It's best to bake immediately after mixing, as the baking soda begins reacting with wet ingredients. However, you can prepare dry and wet components separately the night before and combine them in the morning.

How should I store leftover banana bread?

Wrap cooled banana bread tightly in plastic wrap or store in an airtight container at room temperature for up to three days. For longer storage, wrap well and freeze for up to three months.

Can I substitute brown sugar for white sugar?

Absolutely. Brown sugar creates a richer, deeper flavor and slightly denser texture. Use it in equal amounts as a one-to-one swap.

Moist Banana Bread with Chocolate Chips

A tender, moist banana bread with options for chocolate chips or nuts. Ideal for breakfast or anytime snacking.

Prep duration
15 minutes
Cook duration
60 minutes
Overall time
75 minutes
Recipe by Noah Kendrick


Skill Level Easy

Cuisine American

Makes 10 Portions

Diet Info Vegetarian friendly

What You Need

Dry Ingredients

01 2 cups all-purpose flour
02 1 teaspoon baking soda
03 1/2 teaspoon salt

Wet Ingredients

01 1/2 cup unsalted butter, softened
02 3/4 cup granulated sugar
03 2 large eggs
04 1 teaspoon vanilla extract

Fruit

01 3 ripe bananas, mashed (about 1 1/4 cups)

Optional Add-Ins

01 3/4 cup chocolate chips OR
02 3/4 cup chopped walnuts or pecans

Directions

Step 01

Preparation: Preheat oven to 350°F. Grease and flour a 9x5-inch loaf pan or line with parchment paper.

Step 02

Combine Dry Ingredients: In a medium bowl, whisk together flour, baking soda, and salt. Set aside.

Step 03

Cream Butter and Sugar: In a large bowl, cream the butter and sugar together until light and fluffy.

Step 04

Add Eggs and Vanilla: Beat in eggs one at a time, then stir in vanilla extract.

Step 05

Incorporate Bananas: Mix in the mashed bananas until well combined.

Step 06

Combine Mixtures: Gradually add the dry ingredients to the wet mixture, mixing gently until just combined.

Step 07

Add Mix-ins: Fold in chocolate chips or nuts, if using.

Step 08

Transfer to Pan: Pour the batter into the prepared loaf pan and smooth the top.

Step 09

Bake: Bake for 55–65 minutes, or until a toothpick inserted into the center comes out clean.

Step 10

Cool: Let cool in the pan for 10 minutes, then transfer to a wire rack to cool completely before slicing.

Tools Needed

  • Mixing bowls
  • Electric mixer or whisk
  • 9x5-inch loaf pan
  • Measuring cups and spoons
  • Spatula

Allergy Notice

Check every item for allergens and ask a health expert if unsure.
  • Contains eggs, wheat (gluten), dairy (butter), and optional tree nuts (walnuts/pecans).
  • If using chocolate chips, double-check for milk and soy allergens.

Nutrition details (per portion)

Nutrition details are for general reference. Don’t substitute for professional advice.
  • Calorie count: 250
  • Fat content: 10 g
  • Carbohydrates: 37 g
  • Proteins: 4 g