Banana bread has always been one of my go-to comfort foods. I remember the first time I made it—it was a mess. I added too much flour, forgot the baking soda, and ended up with a dense, underwhelming loaf. But once I nailed the right balance, it became a staple in my kitchen. This Healthier Chocolate Chip Banana Bread is the ideal recipe for beginners. It’s easy to make, naturally sweetened, and packed with wholesome ingredients. Whether you’re looking for a nutritious breakfast, a mid-day snack, or a light dessert, this banana bread is a perfect choice.

Why This Recipe is Special
This isn’t just any banana bread—it’s a healthier take on the classic. By using oat flour instead of refined flour, coconut sugar instead of white sugar, and avocado or coconut oil instead of butter, this recipe keeps things light without sacrificing taste. The bananas add natural sweetness and moisture, while the chocolate chips bring an irresistible indulgence. Plus, the simplicity of this recipe makes it perfect for beginner bakers—no fancy equipment or complicated techniques required.
Ingredients and Preparation
Here’s what you’ll need to make this delicious banana bread, along with some insights on each ingredient:
- Bananas – The riper, the better. Spotty bananas provide natural sweetness and moisture, making the bread soft and flavorful.
- Oat Flour – A great gluten-free alternative to wheat flour. You can make your own by blending oats in a food processor until finely ground.
- Eggs – Act as a binder and help the bread rise, creating a fluffy texture.
- Coconut Sugar – A less refined sweetener with a mild caramel flavor. You can substitute with brown sugar or honey.
- Oil – Avocado oil or melted coconut oil keeps the bread moist while adding healthy fats. Avoid processed vegetable oils.
- Cinnamon – Adds warmth and depth of flavor, complementing the bananas beautifully.
- Sea Salt – Enhances the natural sweetness and balances the flavors.
- Baking Soda – Essential for leavening, helping the bread rise.
- Chocolate Chips – The best part! Dark chocolate chips work well for a richer taste, but any type will do.
Ingredient Swaps and Variations
- Want a nutty flavor? Add a handful of chopped walnuts or pecans.
- No oat flour? Use whole wheat flour or all-purpose flour instead.
- Looking for extra protein? Stir in a scoop of your favorite protein powder.
- Prefer a dairy-free option? Use dairy-free chocolate chips.
Step-by-Step Instructions
Step 1: Preheat your oven to 350°F (175°C). Line a loaf pan with parchment paper to prevent sticking.
Step 2: In a large bowl, mash the bananas using a fork until smooth. This helps ensure an even texture in the bread.
Step 3: Add the eggs, oil, coconut sugar, cinnamon, sea salt, and baking soda to the mashed bananas. Mix well until all the ingredients are fully incorporated.
Step 4: Stir in the oat flour until just combined. Be careful not to overmix, as this can make the bread dense.
Step 5: Fold in the chocolate chips, reserving a handful for topping. Pour the batter into the prepared loaf pan and sprinkle the remaining chocolate chips on top.
Step 6: Bake for 50-55 minutes, or until a toothpick inserted into the center comes out clean. If the top browns too quickly, tent the bread with foil halfway through baking.
Step 7: Let the banana bread cool in the pan for about 10 minutes before transferring it to a wire rack. Allow it to cool completely before slicing to prevent it from falling apart.
Beginner Tips and Notes
- How to tell if your banana bread is done: Insert a toothpick in the center; if it comes out clean or with just a few crumbs, it’s ready.
- Storage tips: Store in an airtight container at room temperature for up to 3 days or refrigerate for up to a week. You can also freeze slices for up to 3 months.
- Avoiding dry banana bread: Make sure your bananas are ripe, and don’t overmix the batter. A gentle fold is all you need.
- Oat flour substitution: If using store-bought oat flour, measure carefully, as homemade oat flour can be fluffier.
Serving Suggestions
- For breakfast: Spread almond butter or peanut butter on a slice for extra protein and healthy fats.
- For dessert: Serve warm with a scoop of vanilla yogurt or a drizzle of honey.
- For a snack: Pair with a piece of fruit and a cup of tea or coffee.
Conclusion
This Healthier Chocolate Chip Banana Bread is a foolproof recipe that anyone can master. With its naturally sweet flavor, moist texture, and irresistible chocolate chips, it’s bound to become a favorite in your kitchen. Give it a try, and let me know in the comments how it turned out. What’s your favorite way to enjoy banana bread?
FAQ About Healthier Chocolate Chip Banana Bread
Yes, you can substitute oat flour with all-purpose flour or whole wheat flour. However, the texture may vary slightly, with all-purpose flour providing a lighter crumb and whole wheat flour making it denser.
To make this recipe vegan, replace the eggs with flax eggs (1 tablespoon ground flaxseed mixed with 2.5 tablespoons water per egg). Also, ensure your chocolate chips are dairy-free.
Overmixing the batter can lead to dense bread. Also, ensure your bananas are very ripe, and measure the oat flour correctly. If needed, add a splash of almond milk to loosen the batter.
Absolutely! Chopped walnuts, pecans, or shredded coconut make great additions. Just fold them in with the chocolate chips.
More Relevant Recipes
- Chocolate Chip Banana Bread
- 3 Ingredient Pumpkin Chocolate Chip Bread
- Homemade Chocolate Chip Cookies Recipe

Healthier Chocolate Chip Banana Bread
- Total Time: 1 hour
- Yield: 7 slices 1x
Description
This Healthier Chocolate Chip Banana Bread is a gluten-free, dairy-free twist on the classic, made with oat flour, coconut sugar, and avocado oil. It’s naturally sweet, soft, and packed with melty chocolate chips, making it a perfect breakfast, snack, or dessert for those looking for a more nutritious treat.
Ingredients
- 3 ripe bananas
- 2 eggs
- 2 cups oat flour
- ½ cup coconut sugar
- ¼ cup avocado oil (or melted coconut oil)
- ¼ teaspoon sea salt
- 1 teaspoon baking soda
- Few shakes of cinnamon
- ½ cup chocolate chips (plus extra for topping)
Instructions
- Preheat the oven and prepare the pan: Set the oven to 350°F (175°C) and line a loaf pan with parchment paper to prevent sticking.
- Mash the bananas: In a large mixing bowl, use a fork to mash the ripe bananas until smooth, leaving some small lumps for texture.
- Combine the wet ingredients: Add the eggs, oil, and coconut sugar to the mashed bananas, whisking until well blended and smooth.
- Incorporate the dry ingredients: Stir in the oat flour, sea salt, baking soda, and cinnamon, mixing gently until just combined. Be careful not to overmix, as this can make the bread dense.
- Fold in the chocolate chips: Gently stir in the chocolate chips, ensuring they are evenly distributed throughout the batter. Reserve a handful for sprinkling on top.
- Transfer to the loaf pan: Pour the batter into the prepared pan and smooth the top with a spatula. Sprinkle the remaining chocolate chips over the top for extra sweetness.
- Bake the banana bread: Place the loaf in the preheated oven and bake for 50-55 minutes. To check for doneness, insert a toothpick into the center—if it comes out clean or with a few crumbs, it’s ready.
- Cool before slicing: Allow the banana bread to cool in the pan for about 10 minutes before transferring it to a wire rack. Let it cool completely before slicing to prevent crumbling.
Notes
- If the top browns too quickly, cover the loaf loosely with foil during the last 15 minutes of baking.
- Swap oat flour for whole wheat or all-purpose flour if needed.
- Add ½ cup chopped walnuts or pecans for extra crunch.
- For a lower sugar option, reduce the coconut sugar to ⅓ cup or use a sugar-free sweetener.
- Prep Time: 10 minutes
- Cook Time: 50 minutes
- Category: Breakfast, Dessert, Snack
- Method: Baking
- Cuisine: American
Nutrition
- Serving Size: 1 slice
- Calories: 210
- Sugar: 12g
- Sodium: 120mg
- Fat: 9g
- Saturated Fat: 2g
- Unsaturated Fat: 6g
- Trans Fat: 0g
- Carbohydrates: 28g
- Fiber: 3g
- Protein: 4g
- Cholesterol: 35mg