Key Culinary Highlights
- Utilize bananas that are heavily spotted or black for optimal enzymatic sugar conversion.
- Melted butter provides a denser, richer crumb compared to oil-based recipes.
- Sour cream or Greek yogurt is essential for acidity, which tenderizes gluten strands.
- Avoid over-mixing the batter to prevent a tough, rubbery texture.
Achieving the ideal chocolate chip banana bread is an exercise in balancing hydration with structure. I have tested countless variations to ensure this formula delivers a bakery-style crumb that remains moist for days. Through precise ingredient selection, specifically the ratio of fat to flour, I have eliminated the dryness often associated with quick breads.
“In my kitchen, I treat banana ripeness as a critical ingredient; if the skins aren’t spotted, the flavor profile simply won’t mature.”
Chocolate Chip Banana Bread
Ingredients Required
- 3 large overripe bananas (heavily spotted brown)
- 1/2 cup unsalted butter, melted and slightly cooled
- 1/2 cup granulated sugar
- 1/2 cup packed light brown sugar
- 1 large egg, room temperature
- 1 teaspoon pure vanilla extract
- 1/2 cup full-fat sour cream or Greek yogurt
- 2 cups all-purpose flour
- 1 teaspoon baking soda
- 1/2 teaspoon kosher salt
- 1 1/2 cups semi-sweet chocolate chips (divided)

The architecture of this loaf relies heavily on the ‘muffin method’ of mixing, where wet and dry ingredients are combined swiftly to minimize toughness. In my professional experience, the most common error home bakers make is over-working the batter, which activates the gluten proteins in the flour and results in a rubbery texture. To counter this, I utilize a high proportion of fat and sugar.
Furthermore, I have found that adding a fermented dairy element is non-negotiable. While analyzing the structural integrity of the Butternut Bakery chocolate chip banana bread , I noted that the inclusion of ingredients like sour cream or yogurt is pivotal for introducing the acidity required to tenderize the crumb. This reaction also assists the baking soda in providing the necessary lift.
Chocolate Chip Banana Bread
The Proven Method
- Preheat your oven to 350°F (175°C) and line a 9×5-inch loaf pan with parchment paper, allowing an overhang for easy removal.
- In a large mixing bowl, mash the bananas until they reach a fluid consistency with only small lumps remaining. I prefer a smoother mash to ensure uniform moisture distribution.
- Whisk the melted butter into the mashed bananas, followed by the granulated sugar, brown sugar, egg, vanilla, and sour cream. Whisk vigorously until the emulsion is smooth and glossy.
- In a separate vessel, combine the flour, baking soda, and salt. Sift these dry ingredients over the wet mixture.
- Switch to a silicone spatula and gently fold the dry ingredients into the wet. Stop mixing the moment the flour streaks disappear to avoid excessive gluten development.
- Fold in 1 1/4 cups of the chocolate chips, reserving the rest for the topping.
- Pour the batter into the prepared loaf pan and smooth the surface. Sprinkle the remaining chocolate chips on top.
- Bake for 55 to 65 minutes. A toothpick inserted into the center should come out with moist crumbs, not wet batter. Cover loosely with foil at the 40-minute mark if the top browns too quickly.
- Allow the bread to cool in the pan for 15 minutes before transferring to a wire rack to cool completely.
Proper storage is vital to maintaining the texture of the bread. I recommend wrapping the completely cooled loaf tightly in plastic wrap and storing it at room temperature for up to three days. The moisture migrates through the crumb over time, often making the second day’s slice superior to the first. For longer preservation, I slice the loaf and freeze individual portions, which can be reheated quickly for an instant, warm treat.
Banana Bread Recipe Chocolate Chip
Chocolate Chip Banana Bread
- Prep Time: 15 minutes
- Cook Time: 60 minutes
- Total Time: 75 minutes
- Yield: 1 loaf (approximately 8 servings) 1x
- Category: Dessert
- Method: Baking
- Cuisine: American
- Diet: Vegetarian
Description
A moist and flavorful chocolate chip banana bread, perfect with overripe bananas for optimal sweetness.
Ingredients
- 3 large overripe bananas (heavily spotted brown)
- 1/2 cup unsalted butter, melted and slightly cooled
- 1/2 cup granulated sugar
- 1/2 cup packed light brown sugar
- 1 large egg, room temperature
- 1 teaspoon pure vanilla extract
- 1/2 cup full-fat sour cream or Greek yogurt
- 2 cups all-purpose flour
- 1 teaspoon baking soda
- 1/2 teaspoon kosher salt
- 1 1/2 cups semi-sweet chocolate chips (divided)
Instructions
- Preheat your oven to 350°F (175°C) and line a 9×5-inch loaf pan with parchment paper.
- Mash the bananas in a large mixing bowl until smooth with small lumps remaining.
- Whisk the melted butter into the mashed bananas, then add the granulated sugar, brown sugar, egg, vanilla, and sour cream. Mix until smooth.
- In a separate bowl, combine the flour, baking soda, and salt. Sift over the wet mixture.
- Gently fold the dry ingredients into the wet mixture until just combined, being careful not to over-mix.
- Fold in 1 1/4 cups of the chocolate chips, reserving the rest for the topping.
- Pour the batter into the prepared loaf pan and smooth the surface. Sprinkle the remaining chocolate chips on top.
- Bake for 55 to 65 minutes, until a toothpick comes out with moist crumbs.
- Allow to cool in the pan for 15 minutes before transferring to a wire rack to cool completely.
Notes
Wrap the cooled loaf in plastic wrap for storage at room temperature for up to three days. Slicing and freezing portions ensures freshness.
Nutrition
- Serving Size: 1 slice
- Calories: 280
- Sugar: 15g
- Sodium: 200mg
- Fat: 12g
- Saturated Fat: 7g
- Unsaturated Fat: 5g
- Trans Fat: 0g
- Carbohydrates: 40g
- Fiber: 2g
- Protein: 4g
- Cholesterol: 25mg








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