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    Home » Recipes » Baking

    Chocolate Cream Cheese Banana Bread

    Published: Jun 7, 2020 · Updated: May 7, 2023 by Katy McAvoy

    I love when you share my recipes!

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    Jump to Recipe·Print Recipe
    Chocolate Cream Cheese Banana Bread

    Disclaimer: This post contains affiliate links. If you make a purchase using one of these links, I make a small commission.


    This easy chocolate cream cheese banana bread recipe - with its swirls of sweetened cream cheese - is the perfect excuse to have chocolate for breakfast.

    Chocolate Cream Cheese Banana Bread

    When you have a family of banana bread lovers, you've got to change it up once in a while. I love anything with a cream cheese swirl, so it wasn't a big jump to add a sweet cream cheese element - and a little chocolate - into my favorite banana bread recipe.

    Ingredients

    Ingredients for chocolate cream cheese banana bread.
    • Flour
    • Sugar
    • Cocoa powder
    • Baking soda
    • Salt
    • Eggs
    • Very ripe bananas
    • Oil
    • Vanilla
    • Cream cheese 
    • Brown sugar

    How to Make Chocolate Cream Cheese Banana Bread

    Heat oven to 350 degrees. 

    Combine cream cheese, 1 egg, ½ cup flour, and brown sugar in a small bowl. The batter will be thin. Set aside. 

    In a large bowl, combine 1 egg, mashed bananas, oil and vanilla. 

    In a separate bowl, whisk together flour, sugar, cocoa powder, baking soda, and salt. 

    Chocolate banana bread dry ingredients

    Add dry ingredients to the wet ingredients, stirring until just combined. 

    Pour batter into a well-greased loaf pan. The batter will be very thick.

    Spoon cream cheese mixture on top of the batter. 

    Swirling the cream cheese mixture into the batter.

    Using a butter knife or small spatula, make a few big swirls in the bread to combine the cream cheese mixture with the batter. Don’t over swirl or the cream cheese will disappear into the batter. 

    Bread ready for the oven

    Bake for 50-60 minutes or until a toothpick inserted in the middle comes out clean. 

    Bread fresh from the oven.

    Allow bread to cool to room temperature before slicing.

    Enjoy!

    Chocolate Cream Cheese Banana Bread.

    Tips on Chocolate Cream Cheese Banana Bread

    • The riper the bananas, the sweeter the bread will be. You want your bananas to be soft and have brown spots on the peels in order to get the sweetest flavor in your banana bread.
    • Swirl the cream cheese mixture into the bread carefully, being sure not to overmix. The more you swirl, the more the cream cheese mixture will start blending into your chocolate banana bread. It will still be delicious, but won't have the pockets of cream cheese in it that you're looking for.

    Enjoy Chocolate Cream Cheese Banana Bread with...

    Miel Milk

    Pour some honey and cinnamon Miel Milk in your coffee for the perfect weekend breakfast treat!

    FAQs and Substitutions

    What kind of cream cheese should I use?

    Both regular and low fat cream cheese work well in this recipe. I have not tested it with fat free cream cheese or non dairy cream cheeses. If you do, let me know how it went in the comments!

    Can I freeze this banana bread?

    This chocolate cream cheese banana bread freezes great! You can slice it before freezing or freeze the full loaf. Wrap it tightly in plastic wrap, then again in aluminum foil or place it in the freezer bag. Thaw the banana bread overnight in the refrigerator before unwrapping and enjoying.

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    Print the Recipe Card

    Print

    Chocolate Cream Cheese Banana Bread

    Chocolate Cream Cheese Banana Bread
    Print Recipe
    Pin Recipe

    This easy chocolate cream cheese banana bread - with its big swirls of cream cheese - is the perfect excuse to have chocolate for breakfast.

    • Author: Katy McAvoy
    • Prep Time: 10 min
    • Cook Time: 1 hour
    • Total Time: 1 hour, 10 minutes
    • Yield: 1 loaf 1x
    • Category: Breakfast
    • Method: Oven
    • Cuisine: American

    Ingredients

    Units Scale

    Bread: 

    • 1 cup flour
    • ½ cup sugar
    • ¼ cup cocoa powder
    • 1 tsp baking soda
    • ½ tsp salt
    • 1 egg
    • 3 ripe bananas, mashed
    • ¼ cup oil
    • 1 tsp vanilla

    Filling: 

    • 4 oz cream cheese, softened
    • 1 egg
    • ¼ cup brown sugar
    • ¾ cup flour

    Instructions

    Heat oven to 350 degrees. 

    Combine softened cream cheese, 1 egg, ¾ cup flour, and brown sugar in a small bowl. Mixture will be thin. Set aside. 

    In a large bowl, combine 1 egg, mashed bananas, oil and vanilla. 

    In a separate bowl, whisk together flour, sugar, cocoa powder, baking soda, and salt. 

    Add dry ingredients to the wet ingredients, stirring until just combined. Batter will be thick. 

    Pour batter into a greased loaf pan. 

    Spoon cream cheese mixture on top of the batter. 

    Using a butter knife or small spatula, make a few big swirls in the bread to combine the cream cheese mixture with the batter. Don’t over swirl or the cream cheese will disappear into the batter. 

    Bake for 50-60 minutes or until a toothpick inserted in the middle comes out clean. 

    Enjoy!

    Equipment

    Image of Loaf Pan

    Loaf Pan

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    Image of Large Bowl

    Large Bowl

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    Image of Medium Bowl

    Medium Bowl

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    Keywords: chocolate, banana bread, cream cheese, quick bread, breakfast bread, brunch, breakfast

    Did you make this recipe?

    Share a photo and tag me @katymcavoy on Instagram! I can’t wait to see what you made!

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    About Katy McAvoy

    Katy is the author, photographer, home cook, mixologist, and Michigander behind MittenGirl.com. Since 2017, she's been crafting easy-to-make cocktails and delicious meals, along with sharing her love of all things Michigan (a.k.a. The Mitten)!

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    Katy McAvoy

    Hi! I’m Katy (she/her). I’m an author, photographer, home cook, mixologist, Michigander, and lover of all things food and drink. I never turn down a good happy hour and believe that a couple hours of meal prep pays off for days. Follow me on Instagram to check out what I’m working on next!

    More about me →

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