If you’re anything like me, you probably have a few overly ripe bananas hanging out on your countertop just begging to be turned into something delicious. Well, this Healthy Banana Chocolate Bread Recipe is exactly what you need! It’s moist, chocolatey, and satisfying — but with wholesome ingredients that won’t leave you feeling guilty. Trust me, once you try this recipe, it becomes an instant favorite in my kitchen, and I bet you’ll feel the same way.
Why You’ll Love This Recipe
- Healthy & Guilt-Free: This recipe uses natural sweeteners and whole ingredients to keep it nourishing without sacrificing flavor.
- Perfectly Moist: The bananas and nut butter keep the bread tender and rich, so you never get that dry, crumbly bread experience.
- Adaptable to Your Pantry: Whether you want it higher in protein or prefer different nut butters, you can easily tweak it.
- Family Favorite: My loved ones go crazy for this at breakfast or as a quick snack, and I bet yours will too.
Ingredients You’ll Need
These simple ingredients come together beautifully to create a rich chocolate banana bread without any artificial junk. I always recommend using ripe bananas — the riper, the better for sweetness and moisture.

- Bananas: Make sure they’re well-ripe with lots of brown spots for maximum sweetness and moisture.
- Eggs: Bind the ingredients while adding protein and richness.
- Nut Butter: Almond, peanut, cashew, or even sunflower seed butter works beautifully for added creaminess.
- Granular Sweetener: Monk fruit keeps the sugar low, but brown sugar is fine if you prefer a more traditional sweetness.
- Vanilla Extract: Adds a warm, comforting note that complements the chocolate perfectly.
- Sea Salt: Just a pinch enhances all the flavors.
- Oat Flour: Great for a soft crumb and mild flavor; gluten-free if needed.
- Cocoa Powder: Choose unsweetened for that deep chocolatey goodness without extra sugar.
- Baking Powder: Gives the bread a nice rise and fluffy texture.
- Chocolate Chips: For those melty pockets of chocolate—never skip these!
- Protein Powder (optional): A great way to boost protein; I recommend vegan or casein types to keep moisture.
Variations
I love tinkering with this Healthy Banana Chocolate Bread Recipe to suit different moods or dietary needs. Feel free to try these tweaks—I promise it’s fun and delicious every time.
- High Protein: Swapping half the oat flour for protein powder is my go-to when I need an extra boost—just remember to avoid whey, which can dry things out.
- Nut-Free Option: Use sunflower seed butter and cacao nibs instead of chocolate chips for nut allergies.
- Extra Chunky: Fold in chopped nuts like walnuts or pecans to add crunch and texture.
- Spiced Up: Add a pinch of cinnamon or chili powder to give a warm or slightly spicy twist that always surprises guests.
How to Make Healthy Banana Chocolate Bread Recipe
Step 1: Prepare Your Pan and Preheat Oven
First things first: set your oven to 350°F (180°C) so it’s nice and hot when your batter is ready. I like to line a 20 cm (7.9-inch) loaf pan with parchment paper—this makes cleanup a breeze and helps the bread release easily. Alternatively, lightly grease the pan with oil if you don’t have parchment.
Step 2: Mash Bananas & Mix Wet Ingredients
Grab those ripe bananas and mash them thoroughly with a fork until completely smooth—no big lumps here! Then stir in your nut butter and eggs until the mixture is creamy and well combined. This is the foundation of your bread’s moisture and flavor.
Step 3: Sweeten & Flavor
Add your choice of granular sweetener, vanilla extract, and a pinch of sea salt. Whisk everything together for about two minutes until the mixture is smooth and uniform—you want all those flavors to mesh perfectly.
Step 4: Incorporate Dry Ingredients
Gently stir in the oat flour (with protein powder if you’re using it), cocoa powder, and baking powder until no flour streaks remain. Then fold in the chocolate chips—this is where the magic happens! The batter should be thick but easy to scoop.
Step 5: Bake to Perfection
Pour the batter into your prepared pan and if you want, sprinkle a few extra chocolate chips on top for looks and extra melty pockets. Bake for 30-40 minutes—the timing can vary based on your oven, so start checking at 30 minutes with a toothpick. When it comes out clean (or with just a few moist crumbs), your bread is ready.
Step 6: Cool and Enjoy
Let your banana chocolate bread cool in the pan for about 15 minutes—this helps it set so it slices neatly. Then transfer it to a wire rack to cool completely if you can wait that long. Trust me, it’s worth it!
Pro Tips for Making Healthy Banana Chocolate Bread Recipe
- Bananas Matter: I learned that the riper the bananas, the sweeter and more moist the bread will be, so don’t skimp on those brown spots!
- Don’t Overmix: When adding the dry ingredients, stir just until combined to avoid a dense loaf.
- Watch Your Oven: Some ovens run hot, so keep an eye after 30 minutes—overbaking dries out this bread fast.
- Use Room Temperature Ingredients: It helps everything blend seamlessly and promote better texture.
How to Serve Healthy Banana Chocolate Bread Recipe

Garnishes
I like to top slices with a light spread of nut butter or a dollop of Greek yogurt to add a creamy, tangy contrast. Fresh berries sprinkled on top also brighten it up beautifully, especially if you’re serving it for a casual brunch.
Side Dishes
This bread pairs wonderfully with a simple green smoothie or a hot cup of coffee. For an indulgent snack, add a scoop of vanilla ice cream or a drizzle of natural peanut butter on the side—my family can’t get enough of that combo!
Creative Ways to Present
For birthdays or special occasions, I’ve sliced this bread and arranged the pieces in a fan shape on a pretty platter, sprinkled with edible flowers or cocoa powder for some extra flair. You can also drizzle melted dark chocolate over the top for a decadent finish that looks and tastes amazing.
Make Ahead and Storage
Storing Leftovers
I store leftover banana chocolate bread wrapped tightly in plastic wrap or stored in an airtight container at room temperature for up to three days. It stays surprisingly moist and delicious—though it sometimes tastes better the day after baking, when the flavors have melded.
Freezing
If I want to keep it longer, I slice the bread first and freeze individual slices in a zippered bag. This way, I can grab just what I need for a quick snack, and it thaws beautifully without losing its texture.
Reheating
To reheat, I pop frozen slices in the toaster oven or microwave for 30-45 seconds. The bread warms evenly and regains that fresh-baked softness that’s so comforting.
FAQs
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Can I use regular flour instead of oat flour in this recipe?
Absolutely! You can substitute all-purpose or whole wheat flour if you prefer, though oat flour adds a lovely mild nuttiness and keeps this recipe gluten-free (check your oats are certified gluten-free if needed). Just keep an eye on the texture as it might be a bit firmer with regular flour.
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How ripe should the bananas be?
The bananas should be very ripe with plenty of brown spots and softness—this ensures they’re sweet and easy to mash, which adds moisture and flavor to the bread. If your bananas are underripe, the bread won’t be as sweet or tender.
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Can I make this recipe vegan?
You can! Replace the eggs with flax or chia eggs (1 tablespoon of flax/chia seeds mixed with 3 tablespoons water per egg, let sit to gel) and use a plant-based nut butter. The texture might be slightly different, but it still tastes fantastic.
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Will adding protein powder change the texture?
Yes, a bit. Adding protein powder can make the bread denser or drier, so I recommend swapping out only half of the flour and using a moisture-friendly protein like vegan or casein. Avoid whey powder since it tends to absorb more liquid.
Final Thoughts
This Healthy Banana Chocolate Bread Recipe holds a special place in my heart—not just because it’s tasty, but because it’s helped me transform how I approach sweet treats. You don’t have to sacrifice flavor or texture to make something better for you and your family. I hope you find the same joy baking and sharing it as I do. So go ahead, grab those bananas, and let’s get baking—you’re going to love every bite!
Print
Healthy Banana Chocolate Bread Recipe
- Prep Time: 10 minutes
- Cook Time: 30 minutes
- Total Time: 40 minutes
- Yield: 12 slices 1x
- Category: Dessert
- Method: Baking
- Cuisine: American
- Diet: Gluten Free
Description
This Healthy Chocolate Banana Bread is a deliciously moist and nutritious twist on classic banana bread, enriched with cocoa powder and optional protein powder for added health benefits. Made with ripe bananas, nut butter, and natural sweeteners, it’s perfect for a guilt-free snack or breakfast treat.
Ingredients
Wet Ingredients
- 3 medium ripe bananas (about 12 oz/360 g total)
- 2 large eggs
- ¼ cup (60 g) nut butter (almond, peanut, cashew, or sunflower seed butter)
- 1 tsp vanilla extract
Dry Ingredients
- ⅓ cup (70 g) granular sweetener (monk fruit or brown sugar)
- ⅙ tsp sea salt
- 1 ½ cup (150 g) oat flour or preferred flour
- ½ cup (50 g) cocoa powder
- 2 tsp baking powder
Add-ins
- ¼ cup (40 g) chocolate chips
Optional Protein Boost
- ½ cup (50 g) protein powder (replace ½ cup flour with protein powder for higher protein content; vegan or casein recommended)
Instructions
- Prepare the Oven and Pan: Preheat your oven to 350°F (180°C). Line a 20 cm (7.9 inches) loaf pan with parchment paper or grease it with oil to prevent sticking.
- Mash Bananas and Mix Wet Ingredients: In a large mixing bowl, use a fork to mash the ripe bananas until completely smooth. Stir in the nut butter and eggs until fully combined.
- Add Sweetener, Vanilla, and Salt: Add your chosen granular sweetener (monk fruit or brown sugar), vanilla extract, and sea salt to the wet mixture. Whisk or stir vigorously for about two minutes until the mixture is even and smooth.
- Combine Dry Ingredients: Stir in the oat flour (or substitute half with protein powder if using), cocoa powder, and baking powder. Mix thoroughly to ensure all dry ingredients are well incorporated, then fold in the chocolate chips gently.
- Transfer and Bake: Pour the batter into your prepared loaf pan. Optionally, sprinkle extra chocolate chips on top. Bake in the preheated oven for 30 to 40 minutes, or until a toothpick inserted into the center comes out clean.
- Cool the Bread: Remove the banana bread from the oven and let it cool in the loaf pan for about 15 minutes to set. Then remove it from the pan and allow it to cool completely on a wire rack before slicing and serving.
Notes
- Protein powder substitution: Replace up to ½ cup of flour with protein powder to increase protein content. Use vegan protein or casein for best moisture. Avoid whey protein to prevent dryness. Recommended flavors include vanilla, chocolate, or unflavored.
- Nutritional values vary depending on sweetener: Using monk fruit keeps calories and carbs lower, while brown sugar or regular sugar increase them.
- Adding protein powder changes macros by reducing carbohydrates and increasing protein. Adjust nutrition calculations based on ingredients used.
Nutrition
- Serving Size: 1 slice (approximately 60 g)
- Calories: 160
- Sugar: 5 g
- Sodium: 90 mg
- Fat: 6 g
- Saturated Fat: 1 g
- Unsaturated Fat: 5 g
- Trans Fat: 0 g
- Carbohydrates: 22 g
- Fiber: 4 g
- Protein: 5 g
- Cholesterol: 35 mg


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