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Banana muffins with chocolate chips.

We never run out of banana at home, but sometimes, they ripen faster than we can eat them.

Instead of letting them go to waste, I love turning them into something delicious like this Banana Bread!

It’s super easy to make, and the whole house smells amazing while it’s baking.

Plus, it’s a perfect snack for merienda or even breakfast. If you’ve got overripe bananas sitting on your counter, don’t throw them away. Let’s make some Banana Bread instead!

Banana bread muffins stack in a cooling rack.

Why is Banana Bread a Must Try!

I am not really into baking, but Banana Bread is one of those recipes that changed my mind.

It’s so simple and forgiving even if you’re a beginner in the kitchen, you can make it without stress.

Plus, it’s a great way to use up those bananas that are a little too ripe to eat on their own.

The best part?

It’s deliciously moist, not too sweet, and you can even add your favorite mix-ins like nuts or chocolate chips.

Trust me, once you try it, you’ll keep coming back to this recipe.

Banana bread ingredients on a table. All-purpose flour, baking powder, baking soda, salt, cinnamon, milk, vinegar, brown sugar, white sugar, coconut oil, and vanilla extract.

Banana Bread Ingredients

All-purpose flour: This is the foundation of your banana bread, giving it that perfect, fluffy texture we all love.

Baking powder & baking soda: These little guys are the magic makers, helping your bread rise and stay light and airy.

Salt: Just a pinch to bring out all the wonderful flavors in your bread.

Cinnamon: Adds a cozy, warm flavor that pairs perfectly with the sweetness of the bananas.

Milk: Keeps the bread nice and moist, making each bite soft and tender.

Vinegar: When mixed with milk, it turns into a quick homemade buttermilk that adds extra tenderness to your bread.

Bananas: The star of the show! Overripe bananas are what make this bread naturally sweet and super moist.

Brown sugar: Adds a rich, caramel-like sweetness that complements the bananas perfectly.

Eggs: These are the glue that holds everything together, giving your bread a great structure.

Coconut oil: Keeps your banana bread moist and adds a subtle, nutty flavor.

Vanilla: Just a splash gives the bread a lovely, sweet aroma that ties all the flavors together.

Chocolate chips: The ultimate treat! These melt into gooey pockets of sweetness that make each bite extra special.

Banana bread muffins line up in a cooling rack.

How To Make Banana Bread

1. Make the Milk Mixture

First, combine ½ cup of milk with 1 tablespoon of vinegar. This will be your homemade buttermilk. Set it aside while you prepare the rest of the ingredients.

2. Mix the Dry Ingredients

In a separate bowl, mix the all-purpose flour, baking powder, baking soda, salt, and cinnamon. This dry mix helps give the banana bread its perfect texture. Set it aside.

3. Prepare the Bananas

Peel your ripe bananas and mash them with a fork until smooth. Once mashed, add the eggs and mix well until fully combined.

4. Stir in the Sugars and Oils

Add the brown sugar, white sugar, coconut oil, and a splash of vanilla extract to the banana mixture. Stir until everything is well blended and smooth.

5. Add the Milk Mixture

Pour the milk and vinegar mixture into the banana mixture. Mix until fully combined. This step helps make the bread moist and tender.

6. Prepare the Chocolate Chips

Toss the chocolate chips with a little flour before adding. This helps prevent them from sinking to the bottom of the batter.

7. Combine Wet and Dry Ingredients

Gently fold the dry ingredients into the wet mixture. Mix only until you no longer see streaks of flour. Avoid overmixing. Fold in the flour-coated chocolate chips.

8. Prepare the Pan

For muffins, fill paper-lined muffin cups with the batter. For a loaf, line the pan with parchment paper. You can sprinkle more chocolate chips on top if you like.

9. Preheat and Bake

Preheat the oven to 180°C or 350°F. Bake muffins for about 30 minutes. Bake a loaf for around 1 hour. Check doneness by inserting a toothpick into the center. If it comes out clean, it’s done.

10. Cool and Enjoy

Let the bread cool in the pan for a few minutes. Then transfer it to a wire rack to cool completely. Slice and enjoy!

Tips for Moist and Fluffy Banana Bread

Use Overripe Bananas

The riper the bananas, the better! Overripe bananas are super sweet and extra moist, which means your bread will be too. If your bananas are starting to get those brown spots, they’re perfect for baking.

Don’t Overmix the Batter

When you combine the wet and dry ingredients, mix just until everything is combined. Overmixing can make your bread dense instead of fluffy. Gentle folding is key!

Add a Touch of Extra Moisture

Ingredients like yogurt, sour cream, or even an extra banana can add a little more moisture to your bread. If you like your banana bread on the softer side, try adding a spoonful of one of these.

Bake at the Right Temperature

Make sure your oven is preheated to the correct temperature (180°C/350°F). Baking at too high or too low a temperature can affect the texture. And remember, ovens can vary, so keep an eye on your bread and do the toothpick test!

Let It Cool Properly

After baking, let your banana bread cool in the pan for a few minutes, then transfer it to a wire rack. Letting it cool completely helps it set, making it easier to slice and enjoy.

Frequently Asked Questions

Can I use frozen bananas for this recipe?

Yes, you can! Just make sure to thaw them first and drain any excess liquid before mashing.

Can I substitute the coconut oil with another oil?

Absolutely! You can use vegetable oil, melted butter, or even olive oil as a substitute for coconut oil.

How do I store leftover banana bread?

Store your banana bread in an airtight container at room temperature for up to 3 days, or in the fridge for up to a week.

Can I add nuts to this banana bread recipe?

Yes, feel free to add chopped nuts like walnuts or pecans for extra crunch. Just fold them in with the chocolate chips.

Banana muffins with chocolate chips.

Banana Bread Recipe

This Banana Bread is moist, sweet, and packed with real banana flavor. Easy to make and perfect for breakfast, snacks, or pairing with coffee. Every slice is simple, tasty, and satisfying.
15 minutes
Total Time 30 minutes
Course Dessert, Snack
Cuisine Filipino
Servings 14

Ingredients
  

  • 1 ½ cup All Purpose Flour
  • 1 tsp Baking Powder
  • 1 tsp Baking Soda
  • ½ tsp Salt
  • ½ tsp Cinnamon
  • ½ cup Milk
  • 1 tbsp Vinegar
  • 4 piece Bananas
  • ½ cup Brown Sugar
  • 2 pcs Eggs
  • ½ cup Coconut Oil
  • 2 tsp Vanilla
  • Chocolate chips

Instructions
 

  • Combine ½ cup milk with 1 tablespoon vinegar and set aside.
  • In a separate bowl, mix together all-purpose flour, baking powder, baking soda, salt, and cinnamon. Set aside.
  • Smash the bananas until smooth. Add the eggs and mix well.
  • Stir in the brown sugar, white sugar, coconut oil, and vanilla extract. Mix until combined.
  • Add the milk mixture and stir until combined.
  • Toss the chocolate chips with a little flour to prevent them from sinking in the batter.
  • Gently fold the wet and dry ingredients together, being careful not to overmix. Fold in the flour-coated chocolate chips.
  • For muffins, portion the batter into paper-lined muffin cups. For a loaf, line the pan with parchment paper for easy removal. Sprinkle additional chocolate chips on top if desired.
  • Preheat the oven to 180°C (350°F).
  • Bake muffins for about 30 minutes or a loaf for 1 hour. Check for doneness by inserting a toothpick into the center; if it comes out clean, the bread is done.
  • Remove from the oven and let cool in the pan for a few minutes before transferring to a wire rack to cool completely. Enjoy!

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Banana Bread RecipeBanana Bread RecipeBanana Bread Recipe

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Hi I am Adi!

I’m the cook behind every dish and story here at Pinoy Family Recipes, making meals that smell so good your family won’t wait to dig in.

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