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Cream Cheese-Filled Banana Bread Recipe

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4 from 3 reviews

Delight in this moist and delicious Cream Cheese-Filled Banana Bread that combines the natural sweetness of ripe bananas with a luscious cream cheese filling. Perfectly baked to a golden finish, this layered banana bread offers a creamy surprise in every slice, making it a fantastic treat for breakfast or an afternoon snack.

Ingredients

Banana Bread Batter

  • 1 large egg
  • 1/2 cup light brown sugar (packed)
  • 1/4 cup granulated sugar
  • 1/4 cup liquid-state coconut oil (canola or vegetable oil may be substituted)
  • 1/4 cup sour cream (lite is okay; Greek yogurt may be substituted)
  • 2 teaspoons vanilla extract
  • 1 cup mashed ripe bananas (about 2 large bananas)
  • 1 cup all-purpose flour
  • 1/2 teaspoon baking powder
  • 1/2 teaspoon baking soda
  • Pinch salt (optional)

Cream Cheese Filling

  • 1 large egg
  • 4 ounces brick-style cream cheese (softened; lite is okay)
  • 1/4 cup granulated sugar
  • 3 tablespoons all-purpose flour

Instructions

  1. Preheat and Prepare Pan: Preheat your oven to 350°F (175°C). Grease and flour a 9×5-inch loaf pan or spray it well with floured cooking spray, ensuring the pan is ready for baking.
  2. Mix Wet Ingredients for Banana Bread: In a large bowl, combine 1 large egg, light brown sugar, granulated sugar, liquid-state coconut oil, sour cream, and vanilla extract. Whisk these ingredients together until smooth and well blended.
  3. Add Bananas: Stir in the mashed ripe bananas until evenly incorporated throughout the mixture.
  4. Add Dry Ingredients for Banana Bread: Gently fold in 1 cup of all-purpose flour, baking powder, baking soda, and an optional pinch of salt using a spatula or spoon. Mix just until combined to avoid overmixing, which can make the bread dense.
  5. Pour Portion of Batter: Pour about two-thirds of the banana bread batter into the prepared loaf pan. Smooth the top lightly with a spatula and push the batter into the corners and sides as needed to create an even layer.
  6. Prepare Cream Cheese Filling: In another large bowl, whisk together 1 large egg, softened cream cheese, granulated sugar, and 3 tablespoons of all-purpose flour. You may also use a hand mixer to blend for a smoother texture.
  7. Add Cream Cheese Layer: Evenly pour the cream cheese filling over the banana bread batter in the pan. Smooth the top lightly with a spatula, pushing it gently into the corners and edges to fully cover the batter.
  8. Top with Remaining Batter: Spoon the remaining banana bread batter over the cream cheese layer. Smooth the top very lightly to avoid disturbing the cream cheese layer underneath and push batter into the corners and sides to cover completely.
  9. Bake: Bake the assembled loaf for about 48 to 50 minutes. The top should become domed and golden brown. Check doneness by inserting a toothpick into the center; it should come out clean or with a few moist crumbs, but no raw batter. Note that the cream cheese will remain slightly soft, so the toothpick test might not be entirely conclusive.
  10. Cool and Serve: Allow the bread to cool in the pan for about 15 minutes before transferring it onto a wire rack to cool completely. Slice and serve once fully cooled.

Notes

  • To avoid overmixing the batter, gently fold dry ingredients just until combined to ensure a tender banana bread.
  • The cream cheese layer may remain slightly soft even when the bread is fully baked; rely more on visual cues like golden color and firmness around edges rather than just the toothpick test.
  • You can substitute sour cream with Greek yogurt for a tangier flavor.
  • Use ripe bananas with brown spots for the best natural sweetness and moisture.
  • Store leftover banana bread in an airtight container at room temperature for up to 2 days or refrigerate for up to a week.
  • For a dairy-free option, use vegan cream cheese and coconut yogurt instead of sour cream.