Ultimate Cream Cheese Banana Bread Recipe

- by Jenna

There’s nothing quite like the comforting aroma of freshly baked banana bread wafting through your kitchen. But what if we told you this classic treat could be even better? Enter our Ultimate Cream Cheese Banana Bread—a moist, tender loaf swirled with a rich, creamy filling that takes banana bread to a whole new level. Whether you’re using up overripe bananas or simply craving a decadent homemade dessert, this recipe is a guaranteed crowd-pleaser. Let’s dive in!

Why You’ll Love This Cream Cheese Banana Bread Recipe

Ultimate Cream Cheese Banana Bread Recipe

Perfectly Moist and Flavorful:

Thanks to ripe bananas and sour cream, this banana bread stays incredibly moist while boasting deep, caramelized banana flavor. The cream cheese swirl adds a luscious tangy contrast that makes every bite irresistible.

Easy to Make with Pantry Staples:

No fancy ingredients here! This recipe uses simple, everyday items you likely already have in your kitchen, making it a fuss-free bake for any occasion.

Great for Breakfast or Dessert:

Enjoy a slice with your morning coffee or serve it warm with a scoop of vanilla ice cream for dessert. It’s versatile enough to shine at any time of day.

Ingredients for Ultimate Cream Cheese Banana Bread

Ultimate Cream Cheese Banana Bread Recipe

All-Purpose Flour:

The foundation of the bread, providing structure and a tender crumb.

Baking Soda:

Helps the bread rise and ensures a light, fluffy texture.

Salt:

Balances the sweetness and enhances all the flavors.

Unsalted Butter:

Adds richness and moisture. Using softened butter ensures easy creaming with sugar.

Granulated Sugar:

Sweetens the bread and helps create a soft, tender crumb.

Eggs:

Bind the ingredients together and contribute to the bread’s structure.

Vanilla Extract:

Elevates the flavor with warm, aromatic notes.

Ripe Bananas:

The star of the show! Overripe bananas add natural sweetness and moisture.

Sour Cream:

Keeps the bread extra moist and tender while adding a slight tang.

Cream Cheese:

Creates a creamy, decadent swirl that contrasts beautifully with the banana bread.


(Note: The full list of ingredients with quantities is provided in the recipe card just below.)

Variations

Chocolate Chip Swirl:

Fold ½ cup of chocolate chips into the banana batter for a chocolatey twist.

Nutty Crunch:

Add ½ cup of chopped walnuts or pecans to the batter for extra texture.

Gluten-Free Option:

Swap all-purpose flour for a 1:1 gluten-free baking blend to accommodate dietary needs.

How to Prepare Ultimate Cream Cheese Banana Bread

Ultimate Cream Cheese Banana Bread Recipe

Step 1: Preheat the Oven

Start by preheating your oven to 350°F (175°C). Grease a 9×5-inch loaf pan or line it with parchment paper to prevent sticking.

Step 2: Mix the Dry Ingredients

In a medium bowl, whisk together the flour, baking soda, and salt. Set aside.

Step 3: Make the Banana Bread Batter

Cream the softened butter and sugar until light and fluffy (3-5 minutes). Beat in the eggs one at a time, then mix in the vanilla, mashed bananas, and sour cream. Gradually add the dry ingredients, mixing just until combined.

Step 4: Prepare the Cream Cheese Filling

In a separate bowl, beat the cream cheese and sugar until smooth. Add the egg and vanilla, mixing until creamy.

Step 5: Layer and Swirl

Pour half the banana batter into the loaf pan. Spoon the cream cheese mixture on top, then add the remaining batter. Use a knife to gently swirl the layers together.

Step 6: Bake

Bake for 50-60 minutes, or until a toothpick inserted into the center comes out clean. Let cool before slicing.

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Tips and Tricks

Use Overripe Bananas:

The spottier the bananas, the sweeter and more flavorful your bread will be!

Don’t Overmix:

Stir the batter just until combined to avoid a dense, tough texture.

Check for Doneness Early:

Ovens vary, so start checking at 50 minutes to prevent overbaking.

How to Serve

Ultimate Cream Cheese Banana Bread Recipe

Warm with Butter:

Slice and enjoy fresh out of the oven with a smear of butter for extra indulgence.

Topped with Ice Cream:

Serve warm slices with vanilla ice cream for a decadent dessert.

With a Cup of Coffee:

Pair with your favorite brew for a cozy breakfast or afternoon treat.

Make-Ahead and Storage

Store at Room Temperature:

Keep in an airtight container for up to 3 days.

Freeze for Later:

Wrap tightly and freeze for up to 3 months. Thaw at room temperature before serving.

Refresh Before Serving:

Warm slices in the microwave for 10-15 seconds to revive that fresh-baked taste.

FAQ

1. Can I use frozen bananas?

Yes! Thaw and drain excess liquid before mashing.

2. Can I omit the cream cheese swirl?

Absolutely—just skip the filling steps for classic banana bread.

3. Why did my bread sink in the middle?

This can happen if the bread is underbaked or the oven temperature is too low. Use an oven thermometer for accuracy.

There you have it—the ultimate banana bread with a dreamy cream cheese swirl. Whether you’re baking for family, friends, or just yourself, this recipe is sure to become a cherished favorite. Happy baking!

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Ultimate Cream Cheese Banana Bread Recipe

Ultimate Cream Cheese Banana Bread Recipe

  • Author: Jenna
  • Prep Time: 15 minutes
  • Cook Time: 55 minutes
  • Total Time: 1 hour 10 minutes
  • Yield: 10 1x
  • Category: Desserts
  • Method: Baking
  • Cuisine: American

Description

Moist banana bread swirled with a creamy, tangy cream cheese filling—perfect for breakfast or dessert!


Ingredients

Scale
  • 2 cups all-purpose flour
  • 1 teaspoon baking soda
  • ½ teaspoon salt
  • ½ cup unsalted butter, softened
  • ¾ cup granulated sugar
  • 2 large eggs
  • 1 teaspoon vanilla extract
  • 4 ripe bananas, mashed (about 1½ cups)
  • ¼ cup sour cream
  • 8 oz cream cheese, softened
  • ¼ cup granulated sugar
  • 1 large egg
  • 1 teaspoon vanilla extract

Instructions

  1. Preheat oven to 350°F (175°C). Grease a 9×5-inch loaf pan.
  2. Whisk flour, baking soda, and salt in a bowl.
  3. Cream butter and sugar; beat in eggs and vanilla. Stir in bananas and sour cream.
  4. Gradually add dry ingredients to wet, mixing until just combined.
  5. Beat cream cheese and sugar; add egg and vanilla.
  6. Layer half the banana batter in the pan, top with cream cheese mixture, then remaining batter. Swirl gently.
  7. Bake 50-60 minutes. Cool before slicing.

Notes

For best results, use very ripe bananas.

Keywords: cream cheese banana bread, banana bread recipe, moist banana bread, easy dessert recipes, homemade banana bread

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