Cream Cheese Banana Bread Recipe with Soft, Moist Texture

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This Cream Cheese Banana Bread is a scrumptious treat with a soft, moist texture that makes it hard to resist. The creamy filling blends perfectly with the sweet banana flavor!

I can’t help but smile each time I slice into this bread. It’s great for breakfast or a snack, and it’s perfect for sharing—if you can keep it around long enough! 😊

Key Ingredients & Substitutions

Bananas: Ripe bananas are essential for sweetness. If you don’t have ripe ones, you can speed up the process by placing them in a brown paper bag for a day or so. Also, any overripe bananas are perfect for this recipe!

Cream Cheese: This gives a lovely creamy texture. If you’re looking for a healthier option, you could use Greek yogurt or a dairy-free cream cheese alternative for a similar consistency.

Butter: Unsalted butter is preferred for better control over salt content. You can substitute it with melted coconut oil or even applesauce for a lighter version.

Sugar: Regular granulated sugar works best, but you can try brown sugar for a touch more flavor or honey, maple syrup, or agave nectar for a natural sweetener if you’re feeling adventurous.

How Do I Get the Cream Cheese Layer to Be Just Right?

Getting the cream cheese filling to be perfectly smooth is crucial for this recipe. Start by ensuring your cream cheese is at room temperature—it blends easier!

  • Mix the cream cheese with sugar and egg until it’s very smooth, making sure there are no lumps.
  • Spread the cream cheese filling carefully over the banana batter to keep it from mixing too much. A gentle swirl can create a beautiful marbled effect!
  • A toothpick test is essential—make sure the banana part is set before taking the loaf out of the oven.

Cream Cheese Banana Bread Recipe with Soft, Moist Texture

Cream Cheese Banana Bread with Soft, Moist Texture

Ingredients You’ll Need:

For the Bread:

  • 1 1/2 cups all-purpose flour
  • 1 teaspoon baking soda
  • 1/4 teaspoon salt
  • 1/2 cup unsalted butter, softened
  • 1 cup granulated sugar
  • 2 large eggs
  • 1 teaspoon vanilla extract
  • 3 ripe bananas, mashed (about 1 1/2 cups)

For the Cream Cheese Filling:

  • 8 oz cream cheese, softened
  • 1/4 cup granulated sugar (for cream cheese filling)
  • 1 large egg (for cream cheese filling)
  • 1/2 teaspoon vanilla extract (for cream cheese filling)

How Much Time Will You Need?

This delightful banana bread will take about 15 minutes to prepare, followed by 60-70 minutes of baking time. After baking, it’s best to let it cool for 15 minutes before transferring it to a wire rack. In total, you’re looking at around 1 hour and 30 minutes before it’s ready to slice and enjoy!

Step-by-Step Instructions:

1. Preheat Your Oven and Prepare the Pan:

Start by preheating your oven to 350°F (175°C). Take a 9×5-inch loaf pan and grease it lightly with butter or cooking spray to prevent sticking.

2. Mix the Dry Ingredients:

In a medium bowl, whisk together 1 1/2 cups of all-purpose flour, 1 teaspoon of baking soda, and 1/4 teaspoon of salt. Set this bowl aside as you prepare the wet ingredients.

3. Cream the Butter and Sugar:

In a large bowl, cream together the softened butter and 1 cup of granulated sugar with a mixer until the mixture is light and fluffy. This will help in creating a soft texture.

4. Add Eggs and Vanilla:

Beat in the eggs one at a time, making sure to mix well after each addition. Then, stir in 1 teaspoon of vanilla extract.

5. Incorporate the Bananas:

Mix in the mashed bananas until everything is well combined. This is where the banana flavor really starts to come through!

6. Combine Wet and Dry Ingredients:

Gradually add the prepared dry ingredients to the banana mixture, mixing just until combined. Be careful not to overmix; it’s okay if there are a few lumps!

7. Make the Cream Cheese Filling:

In a separate bowl, prepare the cream cheese filling by beating together the softened cream cheese, 1/4 cup of sugar, 1 egg, and 1/2 teaspoon of vanilla extract until it’s smooth and creamy.

8. Layer the Batter in the Pan:

Pour half of the banana bread batter into the greased loaf pan, spreading it out evenly. Then, carefully spoon the cream cheese filling over this layer.

9. Add the Final Batter Layer:

Top with the remaining banana bread batter, spreading it smoothly to cover the cream cheese layer fully.

10. Swirl for a Marbled Effect (Optional):

If you like, you can use a knife or skewer to gently swirl the cream cheese into the banana batter for a beautifully marbled design.

11. Bake:

Place the loaf in the preheated oven and bake for 60-70 minutes. To check if it’s done, insert a toothpick into the center (avoiding the cream cheese layer); it should come out clean.

12. Cool and Serve:

Once baked, allow the bread to cool in the pan for about 15 minutes. After that, carefully transfer it to a wire rack to cool completely. Slice and enjoy your moist, luscious cream cheese banana bread!

Cream Cheese Banana Bread Recipe with Soft, Moist Texture

Frequently Asked Questions (FAQ)

Can I Use Frozen Bananas for This Recipe?

Absolutely! Frozen bananas work great in banana bread. Just let them thaw completely and drain any excess liquid before mashing. This will help maintain the perfect moisture level in your bread.

How Should I Store Leftover Banana Bread?

Store any leftover banana bread in an airtight container at room temperature for up to 3 days. If you want to keep it longer, wrap it tightly in plastic wrap and refrigerate for up to a week, or freeze it for up to 3 months. Just thaw it in the fridge overnight before serving!

Can I Make This Recipe Dairy-Free?

Yes, you can substitute the cream cheese with a dairy-free cream cheese alternative and use coconut oil or a dairy-free butter substitute in place of regular butter. Just ensure your eggs are also replaced with an appropriate egg substitute if you’re aiming for a completely dairy-free version.

What’s the Best Way to Add Nuts or Chocolate Chips?

If you’d like to add nuts or chocolate chips, fold about 1/2 to 1 cup of your choice (like walnuts or chocolate chips) into the banana batter when mixing in the mashed bananas. This will give your bread an extra texture and flavor boost! Make sure not to overload it, as too many additions can affect the bread’s rise.

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