Banana Bread with Chocolate or Nuts

Featured in: Sweet Treat Fix

This classic American banana bread delivers irresistible moistness and tender texture in every slice. The mashed ripe bananas create natural sweetness while keeping the crumb soft and satisfying. Choose between rich chocolate chips for indulgence or toasted walnuts and pecans for delightful crunch. Each loaf bakes to golden perfection in about an hour, filling your kitchen with comforting aromas. The straightforward method comes together quickly—just cream butter and sugar, blend in ripe bananas, then fold in your favorite additions. This versatile loaf works beautifully for breakfast, afternoon treats, or late-night snacking. Customize with brown sugar for deeper caramel notes or swap butter for coconut oil to make it dairy-free while maintaining that beloved tender consistency.

Updated on Thu, 15 Jan 2026 09:28:00 GMT
A freshly baked loaf of moist banana bread with chocolate chips, served warm with melting butter on a rustic cutting board.  Pin It
A freshly baked loaf of moist banana bread with chocolate chips, served warm with melting butter on a rustic cutting board. | fordish.com

The smell of overripe bananas used to drive me crazy until my roommate showed me how to transform them into the most incredible bread. We would let ours go completely black on the counter, practically fermenting in their own sweet despair. Now I catch myself buying extra bananas just to let them spoil on purpose. There is something deeply satisfying about rescuing food that would otherwise end up in the compost.

Last winter my sister came over during that weird week between Christmas and New Years when time stands still. We baked three loaves back to back, experimenting with different combinations and eating them warm from the oven while watching old movies. Now whenever I smell that banana bread scent, I am instantly back in my pajamas with snow falling outside, feeling like there is nowhere else I need to be.

Ingredients

  • All-purpose flour: Provides structure and that tender crumb we all love in quick breads
  • Baking soda: The leavening agent that gives the bread its rise
  • Salt: Balances sweetness and enhances all the other flavors
  • Unsalted butter: Creates richness and moisture, softened for easy creaming
  • Granulated sugar: Sweetens and helps create a golden crust
  • Large eggs: Bind everything together and add structure
  • Vanilla extract: Deepens the banana flavor and adds warmth
  • Ripe bananas: The star of the show, mash until almost smooth for best distribution
  • Chocolate chips or nuts: Optional but completely transformative for texture

Instructions

Get your oven ready:
Preheat to 350°F and prep your loaf pan so nothing sticks later
Whisk the dry team:
Combine flour, baking soda, and salt in a medium bowl
Cream butter and sugar:
Beat together until the mixture looks pale and fluffy, about 2 minutes
Add the wet ingredients:
Beat in eggs one at a time, then stir in vanilla
Bring in the bananas:
Mix in mashed bananas until everything is incorporated
Combine it all:
Gently fold in dry ingredients just until you no longer see dry streaks
Add your extras:
Fold in chocolate chips or nuts if you are using them
Bake to perfection:
Pour into your prepared pan and bake 55 to 65 minutes
The patience part:
Let cool 10 minutes in the pan before moving to a wire rack
A slice of moist banana bread with chopped walnuts on a plate, beside a steaming mug of coffee for a cozy breakfast.  Pin It
A slice of moist banana bread with chopped walnuts on a plate, beside a steaming mug of coffee for a cozy breakfast. | fordish.com
A slice of moist banana bread with chopped walnuts on a plate, beside a steaming mug of coffee for a cozy breakfast.  Pin It
A slice of moist banana bread with chopped walnuts on a plate, beside a steaming mug of coffee for a cozy breakfast. | fordish.com

This bread became my go-to housewarming gift after I moved to a new city and did not know how to make friends. People would light up when they smelled it baking, and suddenly we were sharing coffee and talking about our grandmothers recipes. Food has this magical way of building bridges when words feel awkward.

Making It Your Own

I have swapped white sugar for brown when I wanted deeper caramel notes, and coconut oil works beautifully if you are avoiding dairy. One time I accidentally used whole wheat flour and actually loved the nutty flavor it added, though the texture was slightly denser. Do not be afraid to play around.

Storage Secrets

This bread keeps incredibly well, which is probably why it is such a perfect gift. Wrap it tightly in plastic once it is completely cool and it will stay fresh on the counter for three days. For longer storage, I slice and freeze individual portions that I can grab for busy weekday breakfasts.

Serving Ideas

Warm slices with a little butter melting into them is hard to beat, but I have also been known to toast leftover pieces the next morning. A drizzle of honey takes it over the top, and my kids love it with peanut butter smeared on top for after school snacks.

  • Try adding cinnamon to the dry ingredients for a spiced version
  • Swap in whole wheat pastry flour for half the flour if you want something lighter than regular whole wheat
  • Press extra banana slices into the top before baking for a pretty presentation
Golden-brown, moist banana bread variations in a loaf pan, topped with a sprinkle of sugar and ready to be sliced. Pin It
Golden-brown, moist banana bread variations in a loaf pan, topped with a sprinkle of sugar and ready to be sliced. | fordish.com
Golden-brown, moist banana bread variations in a loaf pan, topped with a sprinkle of sugar and ready to be sliced. Pin It
Golden-brown, moist banana bread variations in a loaf pan, topped with a sprinkle of sugar and ready to be sliced. | fordish.com

There is something so comforting about having a loaf of banana bread on the counter, waiting for whenever someone needs a little sweetness in their day. Hope this recipe becomes as loved in your kitchen as it is in mine.

Recipe FAQs

How ripe should the bananas be?

Use bananas with plenty of brown spots or nearly black peels. These overripe bananas contain more natural sugars and create better moisture, resulting in sweeter, more flavorful bread with a softer texture.

Can I make this without chocolate chips or nuts?

Absolutely! The basic banana bread stands beautifully on its own. Simply skip the add-ins for a classic version, or try alternatives like dried cranberries, blueberries, or cinnamon swirls.

How do I know when the banana bread is done?

Insert a toothpick into the center of the loaf. If it comes out clean or with just a few moist crumbs, the bread is ready. The top should be golden brown and firm to the touch.

Can I freeze this banana bread?

Yes! Wrap the cooled loaf tightly in plastic wrap, then foil. Freeze for up to 3 months. Thaw overnight at room temperature. Individual slices also freeze well—perfect for quick breakfasts.

Why did my banana bread sink in the middle?

This usually happens when the bread is underbaked. Ensure your oven is properly calibrated and bake until the toothpick test comes clean. Also, check that your leavening agents are fresh.

Can I make this gluten-free?

Yes! Substitute all-purpose flour with a 1:1 gluten-free baking blend. The texture may be slightly denser but still delicious. Add an extra tablespoon of mashed bananas if needed for moisture.

Banana Bread with Chocolate or Nuts

Soft, moist banana bread perfect with chocolate chips or walnuts for breakfast or snacks.

Prep Time
15 minutes
Time to Cook
60 minutes
Overall Time
75 minutes
Recipe by Fordish Mia Harper


Skill Level Easy

Cuisine American

Result 10 Portion Size

Dietary Details Vegetarian Option

Ingredient List

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 3/4 cup chopped walnuts or pecans

Directions

Step 01

Preheat and Prepare Pan: 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

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

Step 06

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

Step 07

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

Step 08

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

Step 09

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

Step 10

Cool and Slice: 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 Details

Review each ingredient for allergens. Ask your doctor if you’re 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 (each serving)

Values provided for reference. Consult your medical provider with questions.
  • Energy Value: 250
  • Lipids: 10 g
  • Carbohydrates: 37 g
  • Proteins: 4 g