
This chocolate banana bread transforms overripe bananas into a decadent yet wholesome treat that feels indulgent while delivering impressive nutrition. The rich cocoa flavor pairs perfectly with sweet bananas for a snack that satisfies chocolate cravings without derailing healthy eating habits.
I first created this recipe during a particularly busy week when my family needed grab and go breakfast options. What started as a kitchen experiment has become our most requested weekend baking project and my kids favorite lunchbox treat.
Ingredients
- Ripe bananas the browner the better for maximum sweetness and moisture
- Large eggs provide structure and binding while adding protein
- Nut butter adds richness and healthy fats without needing butter or oil
- Granular sweetener monk fruit creates zero sugar sweetness while brown sugar adds caramel notes
- Vanilla extract enhances the chocolate flavor with warm aromatic notes
- Sea salt a pinch balances sweetness and intensifies chocolate flavor
- Oat flour makes this bread naturally gluten free with extra fiber
- Cocoa powder use dutch processed for deeper color and smoother flavor
- Baking powder ensures a perfect rise without complicated techniques
- Chocolate chips fold in for melty chocolate pockets throughout each slice
Step-by-Step Instructions
- Prepare Your Pan
- Preheat oven to 350°F and line your loaf pan with parchment paper for easy removal. This step seems simple but properly lined pans prevent sticking and make cleanup effortless.
- Create The Banana Base
- Mash three ripe bananas until completely smooth with minimal lumps. The natural sugars in overripe bananas provide both sweetness and moisture that make this bread incredibly tender.
- Mix Wet Ingredients
- Add nut butter eggs sweetener vanilla and salt to the mashed bananas. Stir until completely incorporated creating a smooth batter base that will carry the chocolate flavor throughout.
- Incorporate Dry Ingredients
- Gently fold in oat flour cocoa powder and baking powder until just combined. Avoid overmixing which can make your bread dense rather than tender. The batter should be thick but pourable.
- Add Chocolate Enhancement
- Fold in chocolate chips saving some for topping. Distributing chocolate throughout ensures every bite delivers rich chocolate flavor while chips on top create an irresistible appearance.
- Bake To Perfection
- Pour batter into prepared pan and bake 30 to 40 minutes until a toothpick inserted comes out mostly clean with a few moist crumbs. Allow to cool in the pan for 15 minutes before transferring to a rack for complete cooling.

The first time I served this to my children they were convinced it was dessert not a nutritious breakfast option. Now we make double batches every Sunday night ensuring weekday mornings start with something special yet nourishing that fuels their busy school days.
Storage Solutions
This chocolate banana bread maintains its moisture beautifully for up to four days at room temperature stored in an airtight container. For longer storage wrap individual slices tightly in plastic wrap then place in a freezer bag they'll keep perfectly for up to three months. Thaw overnight in the refrigerator or microwave frozen slices for 30 seconds for an instant warm treat.
Versatile Variations
This recipe welcomes creative adaptations based on dietary needs or pantry availability. For a dairy free version use dairy free chocolate chips. Boost protein content by replacing 1/4 cup of oat flour with unflavored or chocolate protein powder. Add textural interest with 1/3 cup chopped walnuts or a handful of dried cherries. The basic formula remains reliable while accommodating your preferences.
Serving Suggestions
While delicious on its own this chocolate banana bread transforms into an elegant dessert when slightly warmed and topped with a dollop of Greek yogurt and fresh berries. For special breakfasts toast a slice and spread with a thin layer of almond butter. Cut into small cubes for a lunchbox treat or afterschool snack that provides sustained energy without sugar crashes.

Recipe FAQs
- → Can I use protein powder in this chocolate banana bread?
Yes! You can substitute part of the oat flour with your favorite protein powder for an extra protein boost. Replace about 1/4 cup of the flour with unflavored or chocolate protein powder without affecting the texture significantly.
- → How ripe should the bananas be?
The bananas should be very ripe with plenty of brown spots or even mostly brown skin. Overripe bananas are sweeter, easier to mash, and provide better flavor and moisture to the bread.
- → Can I make this chocolate banana bread gluten-free?
Yes! This bread is naturally gluten-free if you use certified gluten-free oat flour. You can also substitute almond flour or a gluten-free flour blend, though you may need to adjust the liquid slightly.
- → How should I store the chocolate banana bread?
Store the bread in an airtight container at room temperature for up to 3 days, or refrigerate for up to a week. You can also freeze individual slices wrapped in plastic wrap and stored in a freezer bag for up to 3 months.
- → Can I reduce the sugar in this chocolate banana bread?
Yes, the natural sweetness from ripe bananas allows for flexibility with added sweetener. You can reduce the granular sweetener by half or substitute with applesauce, dates, or additional banana for a naturally sweetened version.
- → What can I use instead of nut butter?
If you have allergies or prefer alternatives to nut butter, sunflower seed butter works perfectly. You could also substitute with Greek yogurt, mashed avocado, or coconut oil, though each will slightly alter the final texture and flavor.