Quick Chocolate Peanut Butter Banana Bread That’s Always Moist

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recipe image of ripe bananas creamy peanut butter cocoa powder chocolate chips eggs all purpose flour baking soda vanilla extract brown sugar butter greek yogurt oil honey milk arranged on a white marble kitchen counter healthy clear glass bowls rustic brown wooden kitchen sets soft diffuse daylight

Chocolate Peanut Butter Banana Bread: A Story from the Skillet

The first sign of the day here in Bend isn’t the sunrise over the Cascades, it’s the gentle clank of ceramic as Ethan makes his first cup of coffee. That, and the scent of overripe fruit sitting on the counter. We’ve all been there: staring down a bunch of spotty, deep-brown bananas and feeling the pressure of time. Do I make the classic easy banana bread recipe? Or do I venture into something truly decadent?

This particular morning, the challenge came from James, my youngest. “Mom, can we make it taste like my favorite playground snack?” His favorite snack, naturally, involves a combination of chocolate and peanut butter that defies the laws of healthy eating. So, I decided; we needed the best chocolate peanut butter banana bread. Not just any loaf, but a deeply flavorful, perpetually moist banana bread that blends the classic comfort of a quick loaf with the nostalgic joy of a peanut butter cup. This recipe is the answer to the age-old question, “How to make chocolate peanut butter banana bread that isn’t dry?”

After a few failed attempts that resulted in a gritty texture, I finally landed on this precise balance, making it an easy chocolate peanut butter banana bread success. It features a rich, dark cocoa base infused with a peanut butter swirl, and of course, a generous shower of miniature chocolate chips. It hits all the high notes: it’s rich, sweet, savory, and incredibly comforting. For those looking for a slightly healthier twist, this recipe is adaptable and manages to stay remarkably fluffy, unlike many competing chocolate chip banana bread recipes I’ve sampled. It’s the perfect treat to slice up when the air gets chilly and the family gathers around the kitchen island. Ethan even admitted the lighting for the photoshoot was ‘perfect’ because the aroma made him hungry. That’s high praise from the photographer!

Table of Contents

Why You’ll Love This Chocolate Peanut Butter Banana Bread

This isn’t just another quick bread recipe, it’s a family staple that tastes like vacation. If you’ve ever purchased a $5 slice of the Better than Starbucks banana bread copycat, you’ll love making this richer, double-flavored version for pennies on the dollar.

  • Unbeatable Moisture: Thanks to the combination of ripe bananas and a touch of oil, this is guaranteed to be the moist chocolate peanut butter banana bread you crave. No more crumbly loaves!
  • Perfect Flavor Balance: It perfectly captures the classic chocolate peanut butter flavors without being overly saccharine. The mild bitterness of the cocoa powder balances the sweetness of the peanut butter.
  • One-Bowl Prep: While there is a swirl element, the majority of the batter comes together in a single bowl, making this a truly easy banana bread recipe that minimizes cleanup, a huge win for those busy weeknights.
  • Family Winner: This peanut butter chocolate chip banana bread satisfies everyone, from little James to the discerning palate of Olivia (who always requests extra chocolate chips). It’s perfect for breakfast, dessert, or an afternoon snack.

Ingredients for Chocolate Peanut Butter Banana Bread

The key to the texture is using pantry staples and focusing on the quality of your cocoa. I highly recommend Dutch-process cocoa for a deep, sophisticated chocolate flavor.

  • The Bananas: 3-4 very ripe bananas, mashed (the spottier, the better).
  • The Fat: 1/2 cup unsalted butter, melted, plus 1/4 cup neutral oil (like avocado or vegetable oil) to ensure an ultra-moist crumb.
  • The Sugar: 1/2 cup granulated sugar and 1/2 cup packed brown sugar (for depth and moisture).
  • The Eggs: 2 large eggs, room temperature.
  • The Flavor Base: 1 teaspoon vanilla extract.
  • Dry Ingredients: 1 3/4 cups all-purpose flour, 1 teaspoon baking soda, 1/2 teaspoon kosher salt.
  • The Chocolate Element: 1/4 cup quality unsweetened cocoa powder.
  • The Peanut Butter Swirl: 1/2 cup creamy peanut butter (use natural or traditional, whichever you keep handy).
  • The Chips: 1/2 cup mini chocolate chips (or regular chips), plus more for topping.
Quick Chocolate Peanut Butter Banana Bread That's Always Moist
Quick Chocolate Peanut Butter Banana Bread That’s Always Moist.

How to Make Chocolate Peanut Butter Banana Bread

This recipe is all about wet mixing, dry mixing, and then the delightful swirl. Don’t overmix the batter at the end, as that’s the secret to keeping it fluffy banana bread.

Step-by-Step Instructions for Chocolate Peanut Butter Banana Bread

  1. Prep the Pan and Oven: Preheat your oven to 350°F (175°C). Grease a 9×5 inch loaf pan, or line it with parchment paper for easy removal. This is a crucial step for any homemade banana bread to ensure it doesn’t stick.
  2. Handle the Wet Ingredients: In a large mixing bowl, whisk together the melted butter, oil, brown sugar, and granulated sugar until well combined. Beat in the eggs one at a time, followed by the vanilla extract and the mashed ripe bananas.
  3. Combine the Dry Ingredients: In a separate smaller bowl, whisk together the flour, cocoa powder, baking soda, and salt. This prevents pockets of baking soda in your final loaf.
  4. Mix the Batter: Gently fold the dry ingredients into the wet ingredients until *just* combined. Stop mixing when you still see a few streaks of flour. Overmixing develops gluten, which can lead to a tough, dry loaf. Fold in the majority of the chocolate chips now.
  5. Prepare the Peanut Butter Swirl: Scoop about 1/3 of the banana bread batter out and place it in a separate small bowl. Stir the softened (or slightly melted) creamy peanut butter into this smaller portion until fully combined. This creates your rich peanut butter ribbon. You can also mix a small amount of powdered peanut butter with water instead for a low fat banana bread variation.
  6. Assemble the Loaf: Pour about half of the plain chocolate batter into the prepared loaf pan. Dollop half of the peanut butter mixture randomly over the top. Swirl gently with a butter knife or skewer, being careful not to over-swirl, creating a perfect chocolate swirl banana bread effect. Repeat with the remaining chocolate batter and peanut butter mixture. Top with additional chocolate chips or, if you prefer, chopped walnuts or pecans.
  7. Bake: Bake for 55–70 minutes, or until a toothpick inserted into the center (avoiding a dense pocket of peanut butter swirl) comes out mostly clean. The baking smell that will fill your kitchen is intoxicating, a mix of cocoa, banana, and peanuts.
  8. Cool and Serve: Let the loaf cool in the pan for 10 minutes before gently lifting it out onto a wire rack. Slice when mostly cool, though I can happily confirm it is magnificent warm with a dollop of butter.

Pro Tips & Variations of Chocolate Peanut Butter Banana Bread

I feel strongly that a recipe should be a framework, not a prison. Here are my favorite ways to customize this decadent peanut butter banana loaf:

  • The Melted Peanut Butter Hack: For a true “ribbon” of flavor, slightly warm your peanut butter before incorporating it into the small portion of batter. This makes it easier to dollop and swirl.
  • Add a Topping: Before baking, sprinkle a quick streusel topping made of brown sugar, cinnamon, and chopped peanuts over the top. This adds a lovely crunch to the banana bread topping.
  • Make it Healthy-ish: To create a more healthy chocolate peanut butter banana bread recipe, substitute half of the butter for Greek yogurt or sour cream. You can also reduce the granulated sugar slightly. For a refined sugar free banana bread, replace the sugars with 3/4 cup of good quality maple syrup or honey.
  • Go Gluten-Free: I have successfully tested this recipe using a 1:1 measure of high-quality gluten free chocolate peanut butter banana bread blend (like King Arthur’s). The bake time might need an additional 5 minutes.
  • Use Powdered Peanut Butter: If you’re aiming for low fat peanut butter chocolate banana bread, substitute two tablespoons of powdered peanut butter mixed with one tablespoon of water for the creamy peanut butter swirl section.
  • Mini Muffins/Loaves: This batter makes great muffins or adorable mini banana bread loaves. Reduce the baking time to 20-25 minutes for muffins and 30-35 minutes for mini loaves.

Chocolate Peanut Butter Banana Bread Serving Suggestions

This peanut butter chocolate dessert is so rich, it hardly needs anything, but I have a few simple additions that elevate the experience. When Olivia and James come running in from school, a slice of this always hits the spot.

  • Fresh Cream Cheese Frosting: If you want to lean fully into the dessert aspect, a simple cream cheese glaze or a light dust of powdered sugar is heavenly.
  • Peanut Butter Drizzle: A simple drizzle of warm, salted peanut butter right before serving emphasizes those core peanut butter chocolate flavors.
  • Espresso Companion: Ethan drinks espresso, and the dark flavor of the cocoa in this loaf pairs perfectly with a strong, unsweetened dark roast.
  • Ice Cream: Try a slice warmed up and topped with vanilla bean ice cream. It is truly the ultimate chocolate banana recipe dessert. If you’re looking for other unique banana bread variations, consider checking out this recipe from Queenslee Appetit, which was an early inspiration for blending these flavors. Queenslee Appetit Chocolate Banana Bread.

Chocolate Peanut Butter Banana Bread Storage & Reheating

This loaf is so moist, it keeps beautifully at room temperature for several days.

  • Room Temperature: Store the cooled loaf, wrapped tightly in plastic wrap, at room temperature for up to 3 days. Cut slices are best stored in an airtight container.
  • Refrigeration: While not strictly necessary, you can refrigerate the loaf for up to 7 days. Allow it to come to room temperature before serving, or warm slightly.
  • Freezing: This chocolate peanut butter banana bread freezes exceptionally well! Once completely cooled, wrap the entire loaf (or sliced portions) tightly in plastic wrap, and then place it in a heavy-duty freezer bag. It keeps for up to 3 months. Thaw overnight on the counter.
  • Reheating: My favorite way to enjoy leftover slices is to reheat them in a toaster oven for 5 minutes until the edges are crispy and the chips are slightly melted.

FAQ about Chocolate Peanut Butter Banana Bread

What makes for the best chocolate peanut butter banana bread texture?

The secret to a super moist and light texture is the combination of fat (melted butter and oil) and keeping the batter just mixed. We use oil and melted butter because the oil tenderizes the crumb, and the melted butter adds deep, rich flavor. Also, make sure your mashed bananas are truly overripe, as they contain more natural moisture and sugar. For an exceptionally plush texture, you can add 1/4 cup of Greek yogurt or sour cream.

Can I use powdered peanut butter instead of creamy peanut butter for the batter?

Yes, you can substitute powdered peanut butter, especially if you are interested in making healthy chocolate peanut butter banana bread. For the swirl, mix the powdered peanut butter with just enough liquid (water or milk) to form a thick, paste-like consistency, similar to the creamy texture you would get from traditional peanut butter. This is a great way to lower the overall fat content of this quick bread recipe.

How do I achieve a perfect peanut butter swirl that doesn’t just disappear?

If you find that your chocolate swirl peanut butter banana bread lacks definition, it’s usually because the peanut butter mixture was too thin, or you swirled too much. Ensure the peanut butter mixture is thick and slightly tacky. When swirling, use a butter knife and insert it only about an inch deep into the batter, drawing two or three gentle figure-eights down the loaf. Less is more for a stunning visual effect.

Is this recipe considered a ‘low fat banana bread’?

While this recipe is not inherently low-fat due to the creamy peanut butter and butter/oil combination, we provide several variations to optimize it. Using powdered peanut butter, substituting oil/butter with Greek yogurt, and opting for unsweetened cocoa powder instead of relying on lots of sweet chocolate chips can substantially reduce the fat content, resulting in a suitable low fat banana bread.

Final Thoughts

There’s a quiet satisfaction in baking, perhaps because it’s one of the few places in modern life where we are asked to slow down and wait. The aroma of homemade banana bread rising in the oven is a form of time travel, transporting you back to Grandma’s kitchen, even if the recipe is as new and unique as this chocolate peanut butter banana bread with chocolate chips.

It’s about providing comfort, one slice at a time. When Ethan and the kids dig into this decadent loaf, I know I’ve done my job. It’s what we call nourishment here at our kitchen table in Bend. I hope you find the same connection in your kitchen.

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recipe image of ripe bananas creamy peanut butter cocoa powder chocolate chips eggs all purpose flour baking soda vanilla extract brown sugar butter greek yogurt oil honey milk arranged on a white marble kitchen counter healthy clear glass bowls rustic brown wooden kitchen sets soft diffuse daylight
katya bou

Chocolate Peanut Butter Banana Bread

A decadent, moist banana bread with rich chocolate and peanut butter swirl, perfectly cooked in a crockpot for an easy, hands-off baking experience.
Prep Time 15 minutes
Cook Time 3 hours
Total Time 3 hours 15 minutes
Servings: 8 servings
Course: Dessert
Cuisine: American
Calories: 320

Ingredients
  

The Bananas
  • 3-4 medium 3-4 very ripe bananas, mashed
The Fat
  • 1/2 cup 1/2 unsalted butter, melted
  • 1/4 cup 1/4 neutral oil (like avocado or vegetable oil)
The Sugar
  • 1/2 cup 1/2 granulated sugar
  • 1/2 cup 1/2 packed brown sugar
The Eggs
  • 2 2 large eggs, room temperature
The Flavor Base
  • 1 tsp 1 vanilla extract
Dry Ingredients
  • 1 3/4 cups 1 3/4 all-purpose flour
  • 1/4 cup 1/4 unsweetened cocoa powder
  • 1 tsp 1 baking soda
  • 1/2 tsp 1/2 kosher salt
The Peanut Butter Swirl
  • 1/2 cup 1/2 creamy peanut butter
The Chips
  • 1/2 cup 1/2 mini chocolate chips, plus more for topping

Equipment

  • Slow Cooker
  • large mixing bowl,
  • Small mixing bowl
  • - Whisk
  • Butter knife or skewer

Method
 

Prep the Slow Cooker
  1. In a large mixing bowl, whisk together the melted butter, oil, brown sugar, and granulated sugar until well combined. Beat in the eggs one at a time, followed by the vanilla extract and the mashed ripe bananas.
  2. In a separate small bowl, whisk together the flour, cocoa powder, baking soda, and salt.
  3. Gently fold the dry ingredients into the wet ingredients until just combined. Fold in the chocolate chips, reserving some for topping.
  4. Scoop about 1/3 of the banana bread batter out and place it in a small bowl. Stir the creamy peanut butter into this portion until fully combined.
  5. Pour about half of the plain chocolate batter into the prepared slow cooker. Dollop half of the peanut butter mixture randomly over the top. Swirl gently with a butter knife or skewer. Repeat with the remaining chocolate batter and peanut butter mixture. Top with additional chocolate chips.
  6. Cover and cook on HIGH for 2-3 hours, or until a toothpick inserted into the center comes out mostly clean. Note: Cooking times may vary depending on your slow cooker; start checking at 2 hours.
  7. Allow the bread to cool in the slow cooker with the lid slightly ajar for 30 minutes, then carefully remove and let cool completely on a wire rack before slicing.

Nutrition

Calories: 320kcalCarbohydrates: 40gProtein: 6gFat: 16g

Notes

For best results, ensure bananas are very ripe for natural moisture. The slow cooker method yields a dense, fudgy texture compared to oven-baking. Store in an airtight container at room temperature for up to 3 days or freeze for longer storage.
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