Healthier Chocolate Chip Banana Bread Recipe

If you love the comforting aroma of banana bread but want a treat that’s a little kinder to your body, this Healthier Chocolate Chip Banana Bread Recipe is just what you need. I absolutely love how moist and tender this bread turns out, all while sneaking in wholesome ingredients like oat flour and coconut sugar. Perfect for breakfast or a cozy afternoon snack, it’s that sweet indulgence without the usual guilt.

When I first tried this recipe, I was amazed at how simple swaps can transform a classic dessert into something nourishing yet still delicious. You’ll find that this Healthier Chocolate Chip Banana Bread Recipe balances natural sweetness with just enough chocolate chips to satisfy those cravings. It’s become a regular in my kitchen, especially when I need a quick grab-and-go breakfast or a thoughtful treat to brighten a hectic day.

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Why You’ll Love This Recipe

  • Whole Food Ingredients: Uses oat flour and coconut sugar for a naturally nourishing boost.
  • Moist & Flavorful: Bananas and avocado oil keep it soft and rich without heaviness.
  • Easy to Make: Just mash, mix, and bake—no complicated steps or fancy equipment.
  • Kid-Approved Treat: My family goes crazy for this version—they barely notice it’s healthier!

Ingredients You’ll Need

This Healthier Chocolate Chip Banana Bread Recipe relies on simple, wholesome ingredients that work together to create a moist and flavorful loaf. I like to use ripe bananas for the best sweetness and oat flour to keep it gluten-free and hearty.

  • Spotty Bananas: The riper, the better—brown spots mean maximum sweetness and moisture.
  • Eggs: They help bind all the ingredients together for a nice structure.
  • Oat Flour: You can buy it pre-made or make your own by blending oats until fine; it adds a lovely nutty flavor.
  • Coconut Sugar: This is my go-to for a lower-glycemic sweetness that adds depth without being overpowering.
  • Avocado Oil: I love this oil because it’s neutral in flavor and high in healthy fats.
  • Sea Salt: Just a pinch to enhance all the subtle flavors.
  • Baking Soda: Helps the bread rise light and fluffy.
  • Cinnamon: Adds a gentle warmth and pairs beautifully with bananas.
  • Chocolate Chips: The star of the show—feel free to add extra on top for that perfect melty finish.
Note: You’ll find the complete list of ingredients, along with their exact measurements, in the printable recipe card at the bottom of this post.

Variations

One of my favorite things about this Healthier Chocolate Chip Banana Bread Recipe is how easy it is to tweak. I often like to experiment with add-ins or swaps based on what I have on hand or dietary needs, so don’t hesitate to make it your own!

  • Nut-Free Variation: I made this once for a friend with allergies by skipping nuts and sticking with extra chocolate chips—just as delicious!
  • Gluten-Free Option: Oat flour works great for gluten-free baking, just be sure to use certified gluten-free oats if you’re sensitive.
  • Lower Sugar: You can reduce the coconut sugar slightly if your bananas are very ripe and sweet already.
  • Nutty Add-In: Chopped walnuts or pecans add a nice crunch; my family loves this version especially.

How to Make Healthier Chocolate Chip Banana Bread Recipe

Step 1: Preheat and Prep Your Pan

Start by heating your oven to 350°F (175°C) and lining a loaf pan with parchment paper. This step is crucial because it ensures your bread won’t stick and makes cleanup a breeze. I find that using parchment also helps keep the crust golden and tender.

Step 2: Mash the Bananas

In a large bowl, mash your ripe bananas thoroughly with a fork until they’re smooth with just a few small lumps. You’ll get a richer flavor and natural sweetness this way—plus, it helps the bread stay moist. If you try to skip this step, the texture won’t be as consistently tender.

Step 3: Combine All Ingredients Except Chocolate Chips

Add the eggs, oat flour, coconut sugar, avocado oil, sea salt, baking soda, and cinnamon right into the mashed bananas. I like to mix these gently with a spatula to avoid overmixing—the batter will be thick but you want to keep it light and airy for the best rise. It’s easy to overwork banana bread batter, and that can make it tough.

Step 4: Stir in Chocolate Chips and Transfer to Pan

Fold in the chocolate chips carefully so they’re evenly distributed but don’t sink to the bottom. Then, pour the batter into your prepared loaf pan and sprinkle a handful of extra chocolate chips on top for a pretty finish. This topping melts into little pockets of chocolate that everyone will love.

Step 5: Bake and Cool

Bake your banana bread for 50–55 minutes. I usually start checking around 50 minutes—insert a toothpick into the center, and it should come out with just a few moist crumbs attached. Overbaking dries out the bread, so keep a close eye near the end. Let it cool in the pan for about 10 minutes, then transfer to a rack before slicing to avoid crumbling.

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Pro Tips for Making Healthier Chocolate Chip Banana Bread Recipe

  • Use Very Ripe Bananas: I learned that almost black bananas create sweetness and moisture that you can’t substitute.
  • Don’t Overmix the Batter: Stir just until combined to avoid dense bread; a few lumps in the batter are okay!
  • Line Your Pan with Parchment: This helps with easy clean-up and keeps the bread from sticking.
  • Check with a Toothpick Early: Baking times vary, so start testing at 50 minutes to avoid drying it out.

How to Serve Healthier Chocolate Chip Banana Bread Recipe

A close-up view shows a thick slice of chocolate chip bread held by a woman's hand. The bread slice has a rough, crumbly light brown texture with visible dark chocolate chips spread inside and a few large chocolate chips embedded on its bottom edge. In the background, two more pieces of the same chocolate chip bread sit on white parchment paper on a white marbled surface, slightly blurred. The overall image has a soft, natural look. photo taken with an iphone --ar 4:5 --v 6.1

Garnishes

I often add a little spread of almond butter or a smear of plain Greek yogurt on my slice for a creamy texture contrast. Sometimes I’ll sprinkle a tiny pinch of flaky sea salt over the top to make those chocolate chips pop even more. These little extras take the experience to the next level.

Side Dishes

Pairing this banana bread with a warm cup of coffee or herbal tea is my go-to combo. For breakfast, I might throw in some fresh berries or a small fruit salad on the side for balance and a fresh bite.

Creative Ways to Present

For special occasions, I sometimes dress up this healthier chocolate chip banana bread by slicing it thick and serving with a dollop of whipped coconut cream and a dusting of cinnamon sugar. Your guests will think it’s a dessert straight from a bakery, but with the wholesome ingredients you trust.

Make Ahead and Storage

Storing Leftovers

Once fully cooled, I wrap leftover banana bread tightly in plastic wrap and keep it at room temperature for up to three days. It stays moist and fresh when sealed well—I’ve found that storing it without wrapping causes it to dry out quickly.

Freezing

I slice the loaf before freezing, then wrap each piece individually in parchment and place them in a zip-top freezer bag. This way, I can thaw single servings whenever I want. It freezes beautifully and tastes just as good when thawed.

Reheating

To reheat, I pop slices in the toaster oven for a few minutes until warm and slightly crisp on the edges. It really brings back that fresh-baked feeling and makes the chocolate chips melty and irresistible.

FAQs

  1. Can I use regular flour instead of oat flour for this recipe?

    Absolutely! If you don’t have oat flour, you can swap in all-purpose flour or whole wheat flour. Just keep in mind that whole wheat will add a nuttier flavor and denser texture, while all-purpose flour makes it lighter. You might need to watch baking time slightly, but it works well either way.

  2. Is this Healthier Chocolate Chip Banana Bread Recipe suitable for a gluten-free diet?

    Yes! Using gluten-free certified oat flour ensures this recipe is gluten-free. Just ensure your baking soda and chocolate chips don’t contain any gluten cross-contamination if you’re especially sensitive.

  3. How ripe should the bananas be?

    Bananas should be very ripe with plenty of brown spots or even mostly brown skins. The riper they are, the sweeter and moister your banana bread will turn out, so don’t rush this step.

  4. Can I reduce the sugar in this recipe?

    Yes, if your bananas are extra ripe and sweet, you can reduce the coconut sugar by up to a quarter without sacrificing flavor. Just remember that the chocolate chips also add sweetness.

  5. Can I make this recipe vegan?

    You can! Substitute eggs with flax eggs (1 tablespoon flaxseed meal + 3 tablespoons water per egg) and use vegan chocolate chips. This swaps work nicely though texture may be slightly different.

Final Thoughts

This Healthier Chocolate Chip Banana Bread Recipe holds a special place in my heart because it proves you don’t have to sacrifice flavor for better ingredients. I love how it brings my family together around the kitchen table, enjoying a classic treat that’s a little more nourishing. If you want that comforting banana bread experience with a wholesome twist, give this recipe a try—I’m confident you’ll be making it again and again.

Print
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Healthier Chocolate Chip Banana Bread Recipe

Healthier Chocolate Chip Banana Bread Recipe

5 Stars 4 Stars 3 Stars 2 Stars 1 Star 4.7 from 110 reviews
  • Author: Jessica
  • Prep Time: 10 minutes
  • Cook Time: 50-55 minutes
  • Total Time: 60-65 minutes
  • Yield: 1 loaf (about 10-12 slices)
  • Category: Baking
  • Method: Baking
  • Cuisine: American
  • Diet: Gluten Free

Description

This Healthier Chocolate Chip Banana Bread is a delicious and wholesome twist on the classic treat. Made with ripe bananas, oat flour, coconut sugar, and avocado oil, it offers a naturally sweet and moist bread with a pleasant hint of cinnamon. The addition of chocolate chips provides a delightful indulgence while keeping the recipe nourishing and suitable for a balanced diet. Perfect for breakfast, snack, or dessert, this banana bread combines simple ingredients that create a comforting and flavorful baked good.


Ingredients

Units Scale

Banana Bread Batter

  • 3 spotty bananas
  • 2 eggs
  • 2 cups oat flour
  • 1/2 cup coconut sugar
  • 1/4 cup avocado oil
  • 1/4 tsp sea salt
  • 1 tsp baking soda
  • Few shakes cinnamon

Chocolate Chips

  • Chocolate chips (to mix into batter and for topping)

Instructions

  1. Preheat Oven: Preheat your oven to 350°F (175°C) and line a loaf pan with parchment paper to prevent sticking and ensure easy removal after baking.
  2. Mash Bananas: In a large mixing bowl, mash the spotty bananas thoroughly using a fork until smooth and free of large lumps, creating the base moisture for the bread.
  3. Mix Ingredients: Add the eggs, oat flour, coconut sugar, avocado oil, sea salt, baking soda, and cinnamon into the mashed bananas. Mix all ingredients well until you achieve a uniform batter without lumps.
  4. Add Chocolate Chips: Gently fold chocolate chips into the batter, reserving some for sprinkling on top of the loaf before baking.
  5. Pour Batter: Pour the prepared batter into the lined loaf pan, spreading it evenly. Sprinkle the remaining chocolate chips on top to create a visually appealing and flavorful crust.
  6. Bake Bread: Bake for 50-55 minutes in the preheated oven or until a toothpick inserted into the center comes out clean or with just a few moist crumbs.
  7. Cool and Serve: Remove the loaf from the oven and let it cool completely in the pan on a wire rack before slicing. This cooling step helps the bread set and improves sliceability. Enjoy your healthier chocolate chip banana bread!

Notes

  • Using spotty bananas provides natural sweetness and moisture for better flavor and texture.
  • Oat flour can be made at home by blending rolled oats to a fine powder if you don’t have it pre-packaged.
  • Avocado oil is chosen for its mild flavor and healthy fat profile; other neutral oils or melted coconut oil can be substituted.
  • Check for doneness by inserting a toothpick in the center; it should come out mostly clean.
  • Store the banana bread in an airtight container at room temperature for up to 3 days or refrigerate for longer freshness.
  • This recipe is naturally gluten-free if certified gluten-free oat flour is used.

Nutrition

  • Serving Size: 1 slice (assuming 12 slices per loaf)
  • Calories: 160
  • Sugar: 7g
  • Sodium: 110mg
  • Fat: 7g
  • Saturated Fat: 1g
  • Unsaturated Fat: 6g
  • Trans Fat: 0g
  • Carbohydrates: 22g
  • Fiber: 3g
  • Protein: 3g
  • Cholesterol: 30mg

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