The BEST of the banana bread recipes, this easy Chocolate Chip Banana Bread is tender and moist studded with chocolate chips that melt right into the batter. One of our favorite ways to use up overripe bananas and will soon be your’s, too.

Chocolate Chip Banana Bread on a white marble board with a slice cut off and laid in front of the loaf.


Chocolate Chip Banana Bread

Another day, another banana bread recipe but this is not your ordinary banana bread. No, this is one of my family’s FAVORITES and it’s studded with three different kinds of chocolate chips. 

As you can see, I still have the problem of buying too many bananas before we can eat all of them but, seriously, is it really a problem when what comes of them is an easy moist banana bread recipe. Right? And maybe, just maybe….my subconscious self is actually buying too MANY bananas because it actually craves homemade banana bread. 

This Easy Chocolate Chip Banana Bread is derived from my original banana bread recipe that is just as basic as the basic white girl sitting on the stool at Starbucks…wearing her summer slingback and scrolling through Instagram. But basic is good….because it’s classic, predictable and reliable. Tried and True. 

I love recipes that are totally reliable but customizable so you can toss in your favorite add-ins or flavorings without really changing the composition of the recipe causing it to fail. This Chocolate Chip Banana Bread recipe is just that….a basic with a little twist….the twist being milk chocolate, dark chocolate AND semi-sweet chocolate chips folded into the batter.

Chocolate Chip Banana Bread in a ceramic loaf pan.

Ingredients

  • Bananas – Bananas that look like they’re ready for the trash are the best here. The riper your bananas the sweeter the bread.
  • Sugar – We use regular granulated sugar here but you can substitute with brown sugar, coconut sugar or raw sugar.
  • Dairy – Milk and yogurt create a rich tanginess that’s wonderful with the sweet bananas. Sour cream can be used as a substitute for the yogurt, if preferred.
  • Flour – I always use all purpose flour but you can use whole wheat as a substitution.
  • Chocolate Chips – I like to use a mix of semi-sweet and milk chocolate chips but you can experiment with your favorite chocolate chips. Sometimes we even throw in some butterscotch chips for fun.

For the full ingredient list and instructions, check out the recipe card at the bottom of the post.

chocolate chip banana bread on a white plate.

How to Make Chocolate Chip Banana Bread

This easy Banana Bread recipe is fairly simple to whip up. And most of the work is done in one bowl. 

  1. Preheat oven to 350˚F.
  2. Combine the sugar and butter in a mixer beating until fluffy.
  3. Add the banana, milk, yogurt and eggs mixing until combined.
  4. Whisk together the flour, baking soda and salt.
  5. Add the dry ingredients to the wet ingredients.
  6. Fold in 3/4 of the chocolate chips.
  7. Pour the batter into a loaf pan.
  8. Sprinkle with the reserved chocolate chips and bake for 1 hour.
  9. Cook in pan for 10 minutes then remove from the pan and cool to room temperature on a wire rack.
chocolate chip banana bread on a marble board with a slice cut off and a white butter dish on the side.

How do you keep chocolate chips from sinking in banana bread?

So, this banana bread batter is pretty thick and I haven’t had too much issue with the chocolate chips sinking to the bottom while baking. HOWEVER, if you prefer to err on the side of caution, you can toss the chocolate chips in the flour mixture before adding the flour to the wet ingredients.

By coating the chocolate chips in flour before adding to the batter, it will help keep the chocolate chips suspended in the batter instead of sinking during baking when the batter thins out just a bit before rising.

Chocolate Chip Banana Bread on a white board with a slice cut off.

How to Keep Banana Bread Moist

First, start with very ripe bananas. I like to use bananas that are almost completely brown and bordering on black for the ultimate moist banana bread. 

Underripe bananas can suck the moisture out of the other ingredients leaving you with dry, crumbly banana bread. The Greek Yogurt also adds some moisture to your banana bread with a bit of tanginess, too.

We always have a stash of frozen bananas that were on the edge and I didn’t have time to bake bread. Our easy method of how to freeze bananas ensures you’ll always have frozen bananas for smoothies, breads and muffins.

If you don’t want to use greek yogurt or are not a fan, you can make this Banana Bread with sour cream instead. It works just as perfectly!

Chocolate Chip Banana bread slice on a white plate with a loaf of banana bread on a white board in the background.

How long does Banana Bread last?

This Chocolate Chip Banana Bread recipe will last up to two days wrapped tightly and stored at room temperature. 

If you wrap in plastic wrap and store in the refrigerator, your banana bread will last up to one week.

You can freeze banana bread for up to 3 months wrapped tightly in plastic wrap and then in foil. Thaw at room temperature when ready to enjoy.

More Easy Banana Bread Recipes

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Chocolate Chip Banana Bread on a white marble board with a slice cut off and laid in front of the loaf.

Get the Recipe: Chocolate Chip Banana Bread Recipe

This classic recipe kicked up with three different types of chocolate chips is the best way to use up overripe bananas, the BEST Chocolate Chip Banana Bread Recipe ever made.
5 from 7 votes

Ingredients

  • 1 cup granulated sugar
  • 1/4 cup butter, softened
  • 1 2/3 cups mashed ripe banana, about 3 bananas
  • 1/4 cup 2% milk
  • 1/4 cup plain fat free Greek yogurt, I used Chobani
  • 2 large eggs
  • 2 cups all purpose flour, I used King Arthur
  • 1 teaspoon baking soda
  • 1/2 teaspoon kosher salt
  • 1/4 cup semisweet chocolate chips
  • 1/4 cup dark chocolate chunks
  • 1/4 cup milk chocolate chips

Equipment

  • 1 loaf pan

Instructions 

  • Preheat oven to 350 degrees.
  • In the bowl of an electric mixer, combine the sugar and butter beating at medium speed until fluffy. On low-speed, add the banana, milk, greek yogurt and eggs mixing until combined.
  • In a small bowl, whisk together the flour, baking soda and salt. Keeping the mixer on low-speed and slowly add the dry ingredients to the wet ingredients. Beat just until blended. 
  • Fold in 3/4 of the chocolate chips.
  • Pour the batter into a 9×5 inch metal loaf pan coated with cooking spray and sprinkle the remaining chocolate chips on top.
  • Bake at 350 degrees for 1 hour or until a toothpick inserted into the center comes out clean. Cool in pan for 10 minutes on a wire rack.  Remove from pan and cool on rack.

Notes

Banana Bread can be made up to 3 days in advance and stored in an airtight container at room temperature.
To freeze: Wrap tightly in plastic wrap and then wrap again with foil. Freeze for up to 3 months. Thaw completely before serving.
Calories: 324kcal, Carbohydrates: 53g, Protein: 6g, Fat: 10g, Saturated Fat: 6g, Cholesterol: 47mg, Sodium: 293mg, Potassium: 191mg, Fiber: 2g, Sugar: 30g, Vitamin A: 220IU, Vitamin C: 2.1mg, Calcium: 47mg, Iron: 1.8mg