Prep Time: 10 minutes
Cook Time: 50 minutes
Total Time: 1 hour
Servings: 16 slices
When Life Gives You Overripe Bananas
My grandmother always said never to waste food, especially those spotted bananas sitting on the counter. Growing up, I watched her transform these seemingly past-their-prime fruits into magical treats that filled our kitchen with warmth and sweetness. Years later, when I discovered this double chocolate banana bread recipe, it felt like honoring her memory while creating something entirely new.
The first time I made this recipe, I was skeptical about combining chocolate with bananas. However, after one bite of this incredibly fudgy, decadent bread, I became completely converted. Now, I actually look forward to those overripe bananas because they mean another opportunity to create this chocolate lover’s paradise.
Why This Recipe Will Become Your Obsession
Ultimate Chocolate Experience
This isn’t just banana bread with a hint of chocolate – it’s a full-blown chocolate celebration that happens to feature bananas. Moreover, the combination of cocoa powder and chocolate chips creates layers of chocolate flavor that satisfy even the most serious chocolate cravings.
Foolproof Simplicity
Despite its impressive appearance and rich taste, this recipe requires minimal skill and basic ingredients. Furthermore, the entire process takes just one hour from start to finish, making it perfect for spontaneous baking sessions.
Perfect Texture Balance
The bananas provide natural moisture while the chocolate elements add richness and depth. Additionally, the result is incredibly fudgy without being dense, creating the perfect texture that’s both satisfying and light.
Versatile Enjoyment
Whether you’re serving it for breakfast, afternoon snack, or dessert, this bread adapts beautifully to any occasion. Consequently, it’s become my go-to recipe for everything from casual family gatherings to impressive dinner party endings.
Essential Ingredients
Wet Ingredients
- 3 very ripe bananas (the spottier, the better for maximum sweetness)
- 1/3 cup unsalted butter, melted and cooled slightly
- 2 tablespoons cooking oil (for extra moisture)
- 1 large egg, room temperature
- 2 teaspoons pure vanilla extract
- 3/4 cup light brown sugar, packed
Dry Ingredients
- 2 teaspoons baking powder
- 1/2 teaspoon baking soda
- 1/2 teaspoon salt
- 1 cup all-purpose flour
- 1/2 cup unsweetened cocoa powder (Dutch-processed for richer taste)
Chocolate Enhancement
- 1 cup semi-sweet chocolate chips, divided
Serving Suggestions
Enjoy warm slices with a glass of cold milk, serve alongside vanilla ice cream for dessert, or pair with coffee for an indulgent breakfast treat.
Step-by-Step Instructions
Preparation Phase
Begin by preheating your oven to 350°F (176°C). Meanwhile, grease a 9×5-inch loaf pan with nonstick spray and set it aside. This preparation ensures smooth workflow once you start mixing.
Creating the Wet Mixture
In a large mixing bowl, mash your very ripe bananas until mostly smooth – a few small lumps add pleasant texture. Next, mix in the melted butter and cooking oil until well combined. The oil addition creates extra moisture that keeps the bread tender for days.
Whisk in the egg, vanilla extract, and brown sugar until the mixture becomes smooth and glossy. This thorough mixing ensures even distribution of sweetness throughout the bread.
Combining Dry Ingredients
In a separate bowl, whisk together flour, baking powder, baking soda, salt, and cocoa powder. This dry mixture approach prevents overmixing when combining wet and dry ingredients, which could result in tough bread.
Bringing It Together
Gently stir the dry ingredients into the wet mixture until just combined – don’t overmix. The batter should look slightly lumpy, which is perfectly normal. Fold in half of the chocolate chips, reserving the remainder for topping.
Baking Process
Pour the batter into your prepared loaf pan, spreading it evenly. Sprinkle the remaining chocolate chips over the top for an attractive finish and extra chocolate bursts in every slice.
Bake for 50-55 minutes, or until a toothpick inserted into the center comes out mostly clean with just a few moist crumbs. The bread should spring back lightly when touched.
Cooling Technique
Allow the bread to cool in the pan for 10-15 minutes before removing. This resting period prevents the bread from breaking apart when removed. Transfer to a wire rack to cool completely, though warm slices are absolutely irresistible.

Creative Serving Ideas
Breakfast Indulgence
Toast thick slices and spread with cream cheese or butter for an elevated breakfast experience. The contrast between the creamy spread and rich chocolate creates a perfect morning treat.
Dessert Presentation
Serve warm slices with a scoop of vanilla ice cream and a drizzle of chocolate sauce. This combination transforms simple banana bread into an elegant dessert worthy of special occasions.
Afternoon Tea Companion
Cut into smaller squares and arrange on a tiered serving tray alongside other baked goods for sophisticated afternoon tea presentations.
Delicious Variations
Nut Additions
Fold in chopped walnuts, pecans, or hazelnuts along with the chocolate chips for added texture and nutty flavor complexity. These additions complement both the banana and chocolate elements beautifully.
Spice Enhancements
Add a pinch of cinnamon, nutmeg, or even a dash of espresso powder to intensify the chocolate flavor and create warming spice notes that pair perfectly with bananas.
Fruit Combinations
Experiment with dried fruits like cranberries or cherries for tart contrast, or add fresh raspberries for elegant color and flavor bursts throughout each slice.
Glaze Options
Drizzle cooled bread with simple chocolate glaze made from melted chocolate and cream, or dust with powdered sugar for elegant presentation.
Make-Ahead Tips
Storage Solutions
This bread actually improves with age, becoming more moist and flavorful after the first day. Store wrapped in plastic wrap at room temperature for up to one week, or freeze for up to three months.
Freezing Strategy
Slice the cooled bread before freezing, then wrap individual slices in plastic wrap. This approach allows you to defrost single servings as needed without compromising the entire loaf.
Meal Prep Approach
Bake multiple loaves when bananas are at peak ripeness, then freeze extras for busy weeks ahead. Having homemade bread ready to defrost makes any day feel special.
Professional Baking Notes
Banana Ripeness Matters
The spottier and softer your bananas, the better your bread will taste. Overripe bananas provide natural sweetness and moisture that under-ripe bananas simply cannot match.
Cocoa Powder Quality
Using Dutch-processed cocoa powder creates richer, more complex chocolate flavor compared to regular cocoa powder. However, either variety works well in this recipe.
Mixing Technique
Resist the urge to overmix once flour is added. Gentle folding motions preserve the bread’s tender texture and prevent tough, chewy results.

Frequently Asked Questions
Can I use frozen bananas for this recipe? Absolutely! Thaw frozen bananas completely and drain excess liquid before mashing. Frozen bananas often become even more concentrated in flavor, making them perfect for baking.
What if I don’t have brown sugar? White sugar works as a substitute, though brown sugar adds deeper molasses notes that complement chocolate beautifully. For similar results, add one tablespoon of molasses to white sugar.
How do I know when the bread is properly baked? The bread is done when a toothpick inserted in the center comes out with just a few moist crumbs. Completely clean toothpicks indicate overbaking, while wet batter means more time is needed.
Can I make this recipe gluten-free? Yes! Substitute the all-purpose flour with a 1:1 gluten-free flour blend. The texture may be slightly different, but the flavor remains delicious.
Why is my bread too dense? Dense bread usually results from overmixing or using insufficient leavening. Ensure your baking powder and baking soda are fresh, and mix ingredients just until combined.
Can I reduce the sugar content? You can reduce the brown sugar by up to 1/4 cup, though this will affect both sweetness and moisture. The ripe bananas provide natural sweetness that helps compensate for reduced added sugar.
How should I store leftover bread? Wrap cooled bread tightly in plastic wrap and store at room temperature for up to one week. For longer storage, freeze wrapped slices for up to three months.
Nutrition Information (per slice):
Calories: 214 | Carbohydrates: 29g | Protein: 3g | Fat: 11g | Saturated Fat: 5g | Fiber: 3g | Sugar: 17g | Potassium: 212mg | Iron: 2mg