Moist, hearty, and rich with comforting flavors, Banana Chocolate Chip Oat Bread is a wholesome twist on the traditional banana bread. Packed with rolled oats, melty chocolate chips, and naturally sweetened with ripe bananas and maple syrup or honey, this loaf is as nourishing as it is indulgent. A perfect treat for breakfast, snacking, or a cozy afternoon tea.

Why You’ll Love This Recipe

This recipe combines the best of both worlds—nutritional value from whole grains and bananas, and indulgence from chocolate chips. The rolled oats add texture and fiber, while the bananas and sweetener create a moist, flavorful crumb. It’s easy to make, customizable, and a great way to use overripe bananas. Plus, it stores well and tastes even better the next day.

Ingredients

(Tip: You can find the complete list of ingredients and their measurements in the recipe card below.)

• 2 ripe bananas, mashed
• 1 banana, thinly sliced (for topping)
• 1/3 cup melted coconut oil or butter
• 1/2 cup maple syrup or honey
• 2 large eggs
• 1/4 cup milk (dairy or plant-based)
• 1 teaspoon vanilla extract
• 1 1/2 cups rolled oats
• 1 cup whole wheat flour
• 1/2 teaspoon baking soda
• 1 teaspoon baking powder
• 1/2 teaspoon cinnamon
• 1/4 teaspoon salt
• 3/4 cup chocolate chips (plus extra for topping)

Directions

1. Preheat oven to 350°F (175°C) and line a loaf pan with parchment paper or grease it lightly.
2. In a large mixing bowl, combine mashed bananas, melted coconut oil (or butter), maple syrup (or honey), eggs, milk, and vanilla extract. Whisk until smooth.
3. Stir in the rolled oats, whole wheat flour, baking soda, baking powder, cinnamon, and salt. Mix until just combined—do not overmix.
4. Gently fold in the chocolate chips.
5. Pour the batter into the prepared loaf pan. Arrange the banana slices on top and sprinkle with additional chocolate chips.
6. Bake for 45–55 minutes, or until a toothpick inserted into the center comes out clean.
7. Let the bread cool in the pan for 10 minutes before transferring it to a wire rack to cool completely.

Servings and timing

This recipe yields 1 loaf, approximately 8–10 slices.
Preparation time: 10 minutes
Baking time: 45–55 minutes
Total time: 55–65 minutes

Variations

• Nutty addition: Add chopped walnuts, pecans, or almonds for extra crunch.
• Gluten-free: Use certified gluten-free oats and substitute the flour with a 1:1 gluten-free flour blend.
• Vegan: Replace eggs with flax eggs and use plant-based milk and chocolate chips.
• Less sweet: Reduce the maple syrup or honey slightly if preferred.
• Mini loaves or muffins: Divide the batter among smaller loaf pans or muffin tins and reduce baking time accordingly.

storage/reheating

Store the cooled bread in an airtight container at room temperature for up to 3 days, or refrigerate for up to 5 days.
To freeze, wrap individual slices in plastic wrap and store in a freezer-safe bag for up to 2 months.
To reheat, microwave a slice for 15–20 seconds or warm it in a toaster oven.

FAQs

Can I use quick oats instead of rolled oats?

Yes, though rolled oats provide a heartier texture. Quick oats will make the loaf slightly softer.

What kind of chocolate chips work best?

Semi-sweet or dark chocolate chips are ideal, but you can use milk chocolate or mini chips as well.

Do I need to use whole wheat flour?

You can substitute with all-purpose flour or a mix of both for a lighter texture.

Can I make this recipe without eggs?

Yes, use flax eggs (1 tablespoon flaxseed meal + 3 tablespoons water per egg) as a vegan alternative.

Is this bread sweet enough without added sugar?

Yes, the ripe bananas and maple syrup or honey provide natural sweetness.

How do I know when it’s fully baked?

Insert a toothpick into the center—if it comes out clean or with a few moist crumbs, the bread is ready.

Can I make this into muffins?

Yes, divide the batter into a muffin tin and bake for 18–22 minutes at 350°F (175°C).

What’s the best way to mash bananas?

Use a fork or potato masher to mash bananas until smooth with minimal lumps.

Can I use frozen bananas?

Yes, thaw them first and drain off excess liquid before using.

Should I let the bread cool before slicing?

Yes, letting it cool helps the structure set and prevents crumbling when sliced.

Conclusion

Banana Chocolate Chip Oat Bread is a comforting and nutritious loaf that’s perfect for breakfast or anytime snacking. It’s easy to make, freezer-friendly, and loaded with flavor from wholesome ingredients. Whether you’re baking for your family, a gathering, or just to use up ripe bananas, this recipe is a delicious go-to you’ll make again and again.

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