There’s something incredibly comforting about the smell of banana bread baking in the oven. It takes me back to weekend mornings when my kitchen was filled with the warm scent of bananas and chocolate, signaling a treat was on its way. One day, while trying to salvage a few overripe bananas, I decided to add a bit of cocoa and some chocolate chips. That spontaneous experiment turned into a go-to recipe I now call my Chocolate Banana Bread. For beginners, this recipe is a dream come true—it’s simple, forgiving, and impressively delicious. Whether you’re baking for your family or just for yourself, this is one quick and healthy meal idea that doubles as a sweet treat.

Why This Recipe is Special
This easy sheet pan dinner… wait, scratch that—this is an easy loaf pan delight that balances indulgence with practicality. What sets this banana bread apart is its rich chocolate flavor layered over the natural sweetness of ripe bananas. It’s moist, tender, and perfect for those learning the ropes in baking. With accessible ingredients and no need for special equipment, it’s a low-stress recipe that delivers high-reward results. Plus, the cocoa and bananas offer antioxidant and potassium boosts, making it one of those rare “desserts” that doesn’t feel like a guilty pleasure.
Ingredients and Preparation
Bananas: Use very ripe or brown bananas. They’re sweeter and add moisture. They’re also packed with potassium and fiber.
Dutch Process Cocoa Powder: This type of cocoa gives the bread a deep, rich chocolate flavor. Natural cocoa can be used, but the flavor will be slightly more bitter.
Chocolate Chips: These add texture and bursts of chocolate. Semi-sweet chips work best, but dark or milk chocolate are fine too.
Brown Sugar: Helps keep the loaf moist due to its molasses content. Light brown sugar is recommended, but dark brown will deepen the sweetness.
Butter and Oil: Butter brings flavor, while oil adds to the bread’s soft texture. Canola, vegetable, or coconut oil are good choices.
Egg: Acts as a binder and adds richness. A flax egg can be substituted for a vegan version.
Vanilla Extract: Enhances the overall flavor profile and complements both the banana and chocolate.
Sea Salt: A pinch balances sweetness and brings out the chocolate’s depth.
All-Purpose Flour: Forms the structure of the bread. Whole wheat flour can be used for added fiber but may result in a denser texture.
Baking Soda: Ensures the bread rises properly and stays light.
Step-by-Step Instructions
Step 1: Preheat your oven to 350°F (175°C) and grease a 9-by-5-inch loaf pan using non-stick spray or butter. This prevents sticking and helps the bread release easily after baking.
Step 2: In a medium bowl, whisk together the dry ingredients: flour, cocoa powder, baking soda, and sea salt. This ensures even distribution and prevents clumping.
Step 3: In a large mixing bowl, mash your ripe bananas with a fork until smooth. Add melted butter and oil, stirring until fully combined.
Step 4: Mix in the brown sugar, egg, and vanilla extract. Stir until you have a smooth, consistent mixture—don’t worry if it’s slightly lumpy from the bananas.
Step 5: Gradually add the dry ingredients to the wet mixture. Stir just until incorporated. Overmixing can make the bread tough.
Step 6: Fold in about three-quarters of your chocolate chips, reserving the rest for topping. Pour the batter into your prepared loaf pan and sprinkle the remaining chocolate chips on top.
Step 7: Bake for 50–65 minutes. Test by inserting a toothpick into the center—if it comes out clean or with a few moist crumbs (not wet batter), it’s done. Don’t confuse melted chocolate with underbaked batter.
Step 8: Let the bread cool in the pan for 15 minutes. Then transfer it to a wire rack to cool further before slicing. This helps set the texture and makes slicing easier.
Beginner Tips and Notes
If the top of your bread is browning too quickly, tent it loosely with aluminum foil halfway through baking. If your bananas aren’t ripe yet, pop them in the oven at 300°F for 15 minutes until the peels blacken—instant ripeness. To save time, measure and prep all your ingredients before you start mixing. No loaf pan? Try a muffin tin—just reduce the baking time to 18–22 minutes.
Serving Suggestions
This chocolate banana bread is perfect on its own, but you can elevate it by serving slices with a smear of peanut butter, a drizzle of honey, or even a scoop of vanilla yogurt. For dessert, top with vanilla ice cream or whipped cream. It pairs beautifully with a cup of coffee or herbal tea.
Storage Tips: Wrap leftovers tightly in plastic wrap or store in an airtight container. It’ll stay fresh at room temperature for up to 4 days or can be frozen for up to a month. To reheat, pop slices in the microwave for 10–15 seconds.
Conclusion
Whether you’re baking your first loaf or your fiftieth, this chocolate banana bread is a foolproof recipe that delivers comfort, flavor, and a little indulgence. It’s a wonderful example of how quick and healthy meals can be satisfying and fun to prepare. I’d love to hear how your loaf turns out—did you make any fun substitutions or share it with someone special? Leave a comment and let’s talk chocolate, bananas, and beginner baking success.
FAQ About Chocolate Banana Bread
Q1: Can I make chocolate banana bread without eggs?
Yes, you can substitute the egg with a flax egg (1 tablespoon ground flaxseed mixed with 3 tablespoons water) or use a store-bought egg replacer. The texture may be slightly denser but still delicious.
Q2: Why do the bananas need to be overripe?
Overripe bananas are sweeter and softer, which enhances the flavor and texture of the bread. Their natural sugars also help the loaf brown beautifully while baking.
Q3: How can I tell when chocolate banana bread is fully baked?
Insert a toothpick into the center of the loaf—if it comes out with a few moist crumbs (not wet batter), it’s ready. Watch for melted chocolate chips, which may look like raw batter but are not.
Q4: Can I freeze chocolate banana bread?
Absolutely. Let the loaf cool completely, then wrap it tightly in plastic wrap followed by foil. Freeze for up to 1 month. Thaw at room temperature or warm slices in the microwave.
More Relevant Recipes
- The Ultimate Beginner’s Guide to Easy Banana Bread
- Chocolate Banana Bread Recipe
- Moist Pineapple Banana Bread

Chocolate Banana Bread
- Total Time: 1 hour
- Yield: 12 servings 1x
- Diet: Vegetarian
Description
This moist and rich chocolate banana bread blends ripe bananas, Dutch cocoa, and chocolate chips for a beginner-friendly and irresistible quick bread.
Ingredients
- 1 cup all-purpose flour
- 1/2 cup Dutch process cocoa powder
- 1 teaspoon baking soda
- 1/2 teaspoon sea salt
- 1 1/2 cups mashed overripe bananas (about 3 large)
- 1/4 cup unsalted butter, melted and slightly cooled
- 1/4 cup canola or coconut oil
- 3/4 cup packed light brown sugar
- 1 large egg, at room temperature
- 1 teaspoon pure vanilla extract
- 1 cup semisweet chocolate chips, divided
Instructions
- Preheat oven to 350°F (175°C) and grease a 9-by-5-inch loaf pan.
- In a medium bowl, whisk together flour, cocoa powder, baking soda, and sea salt.
- In a large bowl, mash the bananas with a fork. Add melted butter and oil, stirring to combine.
- Add the brown sugar, egg, and vanilla extract to the banana mixture and stir until smooth.
- Gradually add the dry ingredients into the wet mixture, stirring just until combined. Do not overmix.
- Fold in 3/4 cup of chocolate chips and pour the batter into the prepared pan.
- Sprinkle the remaining 1/4 cup chocolate chips on top.
- Bake for 50–65 minutes, checking at 50 minutes. A toothpick inserted should come out mostly clean, avoiding melted chocolate chips.
- Cool in the pan for 15 minutes, then transfer to a wire rack to cool completely before slicing.
Notes
- Do not overmix the batter to avoid a dense texture.
- If top browns too fast, cover loosely with foil during baking.
- Let the loaf cool before slicing for best texture.
- Store wrapped on the counter for up to 4 days or freeze for up to 1 month.
- Prep Time: 10 minutes
- Cook Time: 50 minutes
- Category: Dessert
- Method: Baking
- Cuisine: American
Nutrition
- Serving Size: 1 slice
- Calories: 311
- Sugar: 25g
- Sodium: 201mg
- Fat: 15g
- Saturated Fat: 8g
- Unsaturated Fat: 9g
- Trans Fat: 0g
- Carbohydrates: 39g
- Fiber: 4g
- Protein: 4g
- Cholesterol: 25mg