Name: Chocolate Chip Banana Bread | Easy Moist Recipe
Prep time: 15 min
Cook time: 1 h
Total time: 1 h 15 min
Cuisine: American
Ingredients: 1 1/2 cups ripe and mashed banana (3-4 medium bananas); 1/2 cup packed light brown sugar; 1/2 cup granulated sugar; 1/2 cup unsalted butter, melted; 2 large eggs; 1 tsp vanilla extract; 1/2 cup 2% Greek yogurt (sour cream also works); 1 1/3 cups all-purpose flour or 1-to-1 gluten-free baking flour; 1 tsp baking soda; 1/2 tsp salt; 3/4 cup mini chocolate chips plus a handful more for sprinkling on top

There’s something so comforting about the aroma of warm banana bread fresh from the oven. This Chocolate Chip Banana Bread | Easy Moist Recipe is my go-to when I want a treat that’s perfectly sweet, insanely moist, and bursting with chocolatey goodness. It’s a real crowd-pleaser that feels like a hug in bread form.

Three thick slices of dark brown chocolate chip bread are stacked on a white marbled surface. The bottom two slices lie flat, showing a moist texture filled with dark chocolate chips that peek from the sides. A woman's hand is lifting the top slice at an angle, making its rough, soft texture and scattered chocolate chips visible. The background is softly blurred, with more slices of the bread out of focus. Photo taken with an iphone --ar 2:3 --v 7

Jump to:

Why You'll Love This Recipe
Ingredients & Why They Work
Make It Your Way
Step-by-Step: How I Make Chocolate Chip Banana Bread | Easy Moist Recipe
Top Tip
How to Serve Chocolate Chip Banana Bread | Easy Moist Recipe
Make Ahead and Storage
Frequently Asked Questions:
Final Thoughts
Chocolate Chip Banana Bread | Easy Moist Recipe

Why You'll Love This Recipe

Honestly, I can’t rave enough about this recipe — it’s the one I turn to whenever I have ripe bananas sitting on the counter and need a quick, fuss-free baking win. The balance between tender crumb and chocolate chips is just right, and the recipe’s ease makes it accessible for bakers of all levels.

Super Moist Texture: Thanks to Greek yogurt and melted butter, this banana bread stays moist for days without drying out.
Loaded with Flavor: The ripe bananas and brown sugar add natural sweetness and depth, while mini chocolate chips give delightful pockets of melty chocolate.
Simple Ingredients: No weird extras or complicated steps — just ingredients you probably already have in your pantry.
Customizable: Easy to tweak for dietary needs or to add your own favorite nuts or spices.

Ingredients & Why They Work

Each ingredient plays a star role in making this Chocolate Chip Banana Bread | Easy Moist Recipe absolutely irresistible. From ripe bananas to melty chocolate chips, these flavors combine flawlessly. Here are some tips on choosing the best ingredients for you.

Flat lay of three peeled ripe bananas, a small white bowl of packed light brown sugar, a small white bowl of granulated sugar, a small white bowl holding melted butter, two whole uncracked brown eggs, a small white bowl of creamy Greek yogurt, a small white bowl of all-purpose flour, a small white bowl of fine baking soda powder, a small white bowl of salt crystals, a small white bowl filled with mini chocolate chips, all arranged in perfect symmetry on a clean white marble surface, soft natural light, photo taken with an iPhone, professional food photography style, fresh ingredients, white ceramic bowls, no bottles, no duplicates, no utensils, no packaging --ar 2:3 --v 7 --p m7354615311229779997

Ripe Bananas: The riper the bananas, the sweeter and more flavorful your bread will be — I use bananas with plenty of brown speckles.
Light Brown Sugar: Adds a subtle caramel note and keeps the bread moist.
Granulated Sugar: Balances out the sweetness and helps with texture.
Unsalted Butter: Melted to mix easily, it provides richness and tenderness.
Eggs: Bind the ingredients and add structure.
Vanilla Extract: Enhances the overall flavor with a warm hint.
Greek Yogurt: Contributes moisture and a slight tang, making the bread more tender; substitute sour cream if needed.
All-Purpose Flour: Provides the structure; you can use gluten-free 1-to-1 baking flour if you prefer gluten-free baking.
Baking Soda: Helps the bread rise and keeps it fluffy.
Salt: Balances and brings out all the flavors.
Mini Chocolate Chips: I love mini chips because they distribute evenly without sinking to the bottom.

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Note: You'll find the complete list of ingredients, along with their exact measurements, in the printable recipe card at the bottom of this post.

Make It Your Way

I love how forgiving this recipe is — it’s perfect for getting creative. Over the years, I’ve tried everything from adding chopped walnuts for crunch to swapping chocolate chips with butterscotch or white chocolate for a different twist. You’ll enjoy making it your own.

Add Nuts: I often toss in walnuts or pecans for texture—roasted first if I’m feeling fancy.
Mix in Spices: A sprinkle of cinnamon or nutmeg works wonders if you like a cozy spice note.
Use Dairy-Free: Swap the butter for coconut oil and yogurt for a plant-based alternative that’s still moist.
Fruit Boost: Throw in a handful of blueberries or chopped apples for added freshness.

Step-by-Step: How I Make Chocolate Chip Banana Bread | Easy Moist Recipe

A single slice of banana bread rests on a white marbled surface. The bread slice shows an even, golden-brown crust around the edges with a moist, light brown interior dotted generously with small dark chocolate chips scattered throughout. The texture looks soft and slightly crumbly, with the top showing slight crispness. In the background, a white cloth and a cooling rack with more slices of banana bread are softly blurred. Photo taken with an iphone --ar 2:3 --v 7

Step 1: Mash Those Bananas

I like to use a fork or potato masher to mash the ripe bananas until mostly smooth but still with a few lumps—that adds lovely texture. The bananas should be super ripe (think lots of brown spots) for maximum flavor and natural sweetness.

Step 2: Mix Wet Ingredients

In a large bowl, combine the melted butter with brown sugar, granulated sugar, eggs, vanilla extract, and Greek yogurt. Whisk until smooth and creamy, ensuring everything is evenly incorporated—this helps your bread stay moist and tender.

Step 3: Combine Dry Ingredients

In a separate bowl, whisk together the all-purpose flour, baking soda, and salt. This ensures your leavening agent is evenly distributed, so your bread rises perfectly without any metallic aftertaste.

Step 4: Bring It All Together

Gently fold the dry ingredients into the wet ingredients. Be careful not to overmix here—it’s okay if the batter is just combined with a few streaks of flour; overmixing can make the bread tough. Then stir in the mini chocolate chips, saving a handful to sprinkle on top for that tempting look.

Step 5: Bake with Love

Pour the batter into a greased or parchment-lined loaf pan. Bake in a preheated 350°F (175°C) oven for about 60 minutes or until a toothpick inserted into the center comes out clean. I start checking around 55 minutes just so I don’t overbake—every oven’s different. Let it cool in the pan for about 15 minutes before removing it to a wire rack.

Top Tip

I’ve baked banana bread countless times, and what really transforms this recipe is the moisture and chocolate combo — it’s a game changer. Here’s what I’ve learned that helps every loaf come out perfect.

Use Very Ripe Bananas: This can’t be stressed enough — under-ripe bananas won’t give you that rich sweetness and moist texture.
Don’t Overmix: Stir just until the flour disappears to keep your bread tender, not dense.
Add Mini Chocolate Chips: I find mini chips distribute more evenly and stay soft, making every bite chocolaty.
Test Early for Doneness: If the top is browning fast, lightly tent the loaf with foil and start checking doneness around 50 minutes.

How to Serve Chocolate Chip Banana Bread | Easy Moist Recipe

Chocolate Chip Banana Bread - Serving Suggestion

Garnishes

I usually keep it simple with a light dusting of powdered sugar or maybe a pat of softened butter when serving warm. But sometimes, I sprinkle extra mini chocolate chips on top right before baking for a pretty, melty finish that’s irresistible.

Side Dishes

This banana bread pairs wonderfully with a hot cup of coffee or tea for a cozy afternoon pick-me-up. For breakfast, I like serving it alongside fresh fruit or a dollop of Greek yogurt to keep things balanced.

Creative Ways to Present

For special occasions, I’ve cut slices into bite-sized cubes and arranged them on skewers alongside strawberries and marshmallows for a fun dessert platter. You can also spread cream cheese frosting over the loaf for a decadent treat that looks impressive but is surprisingly easy.

Make Ahead and Storage

Storing Leftovers

I store leftover banana bread wrapped tightly in plastic wrap or in an airtight container at room temperature, and it stays fresh for about 3 days. If your kitchen is warm, I pop it in the fridge to prevent it from going soggy, though that can dry it out a bit faster.

Freezing

Freezing slices individually wrapped in plastic wrap then packed in a zip-top freezer bag works best for me. This way, I can easily grab a slice and thaw it overnight or warm it in the microwave for a quick snack that still tastes fresh and moist.

Reheating

To reheat, I prefer warming slices in the microwave for 15-20 seconds or popping them in a toaster oven for a few minutes to bring back that fresh-from-the-oven texture. If you want to add a little extra, a spread of butter right after reheating tastes amazing.

Frequently Asked Questions:

Can I use overripe bananas for this recipe?

Absolutely! Overripe bananas are perfect—they’re sweeter and make the bread moister. Just make sure they aren’t moldy or fermented.

What’s the best way to prevent chocolate chips from sinking?

Using mini chocolate chips helps prevent sinking, but you can also toss the chips in a tablespoon of flour before folding them into the batter to help them stay suspended.

Can I make this recipe gluten-free?

Yes! Substitute the all-purpose flour with a 1-to-1 gluten-free baking flour blend. Just check the blend has xanthan gum or a similar binder for best texture.

Can I store banana bread in the refrigerator?

Yes, but be aware refrigeration can cause the bread to dry out faster. Wrap it tightly in plastic wrap or store in an airtight container to help maintain moisture.

Final Thoughts

This Chocolate Chip Banana Bread | Easy Moist Recipe has become one of my most cherished baking staples. The way the bananas and chocolate chips melt together creates something truly comforting and delicious every time. I promise you, once you try it, you’ll be reaching for this recipe again and again — just like I do.