Banana Bread with Cream Cheese Filling is a wonderful twist on a classic favorite. Soft, moist banana bread meets a creamy, slightly tangy cream cheese center that melts perfectly into every bite. It’s like two delicious treats rolled into one, with the sweet banana flavor balanced out by the smooth cream cheese.
I love making this recipe because the surprise cream cheese filling inside really takes it up a notch. When you slice into the loaf, seeing that creamy layer is such a comforting and happy moment. I often find myself eating it warm, right out of the oven, because that’s when the cream cheese is just perfectly soft and indulgent without being too heavy.
This banana bread is wonderful for breakfast, an afternoon snack, or even a casual dessert. I like to pair it with a cup of coffee or tea, making it feel like a little treat that brightens the day. It’s always a hit with friends and family, and I’m pretty sure it’ll become a favorite in your kitchen too!
Key Ingredients & Substitutions
Bananas: Use very ripe bananas—they bring natural sweetness and moisture. If you don’t have bananas, applesauce can be a substitute, but the flavor will change.
Cream Cheese: The filling is what makes this bread special. Use full-fat cream cheese for the best creamy texture. Neufchatel cheese can work if you want a lighter option.
Butter & Sour Cream: Butter adds richness, and sour cream keeps the bread moist. You can swap sour cream with plain yogurt or even buttermilk.
Nuts: Walnuts or pecans add crunch, but you can leave them out if you prefer smooth bread or have allergies.
How Do You Get a Perfect Cream Cheese Filling Inside the Banana Bread?
The key is layering the batter and filling carefully:
- Pour half the banana batter into your pan and spread it evenly.
- Spoon the cream cheese filling gently over the batter, keeping it away from the edges to stop it from leaking out.
- Top with the remaining banana batter and smooth the surface.
This method helps keep the filling distinct and creamy. Also, don’t overbake—start checking the bread at 55 minutes to make sure the cream cheese stays soft but the bread is cooked through.
Equipment You’ll Need
- 9×5-inch loaf pan – I recommend this size because it helps the bread bake evenly and keeps the filling in the center.
- Mixing bowls – two large bowls make it easy to prepare the batter and cream cheese filling separately.
- Electric mixer or whisk – helps beat the butter, sugar, eggs, and cream cheese smoothly.
- Spatula – perfect for spreading the batter and filling carefully without messing up the layers.
- Measuring cups and spoons – crucial for accuracy, especially for the filling ingredients.
- Cooling rack – lets the bread cool properly, preventing sogginess and giving you clean slices.
Flavor Variations & Add-Ins
- Chocolate chips – stir in 1/2 cup for a chocolaty twist that pairs well with bananas.
- Caramel swirl – gently drizzle caramel sauce over the cream cheese layer before adding the top batter for extra richness.
- Nut toppings – sprinkle chopped walnuts or pecans on top before baking for added crunch and flavor.
- Spice it up – add 1/2 teaspoon cinnamon or nutmeg to the batter to give it warm, cozy notes.
Banana Bread with Cream Cheese Filling
Ingredients You’ll Need:
For the Banana Bread:
- 1 1/2 cups all-purpose flour
- 1 tsp baking soda
- 1/4 tsp salt
- 1/2 cup (1 stick) unsalted butter, softened
- 3/4 cup granulated sugar
- 2 large eggs
- 1 cup mashed ripe bananas (about 2-3 bananas)
- 1 tsp vanilla extract
- 1/2 cup sour cream or plain yogurt
- 1/2 cup chopped walnuts or pecans (optional)
For the Cream Cheese Filling:
- 8 oz (1 package) cream cheese, softened
- 1/3 cup granulated sugar
- 1 large egg
- 1/2 tsp vanilla extract
How Much Time Will You Need?
This recipe takes about 20 minutes to prepare and around 55-65 minutes to bake. Then, allow about 15 minutes for cooling before slicing and serving. So, plan for around 1 hour and 30 minutes from start to finish.
Step-by-Step Instructions:
1. Prepare Your Oven and Pan:
Preheat your oven to 350°F (175°C). Grease and lightly flour a 9×5-inch loaf pan, making sure it’s fully coated to prevent sticking.
2. Mix Dry Ingredients:
In a medium bowl, whisk together the all-purpose flour, baking soda, and salt. Set this aside for later.
3. Cream Butter and Sugar:
In a large bowl, use a mixer or whisk to beat the softened butter and granulated sugar together until the mixture is light and fluffy.
4. Add Eggs, Bananas, and Vanilla:
Add the eggs one at a time, mixing well after each addition. Then stir in the mashed bananas and vanilla extract.
5. Add Sour Cream or Yogurt:
Mix in the sour cream or plain yogurt until well combined. This adds moisture and keeps the bread tender.
6. Combine Dry and Wet Ingredients:
Slowly fold the dry ingredient mix into the banana batter just until combined. If you want to add nuts, fold them in gently now.
7. Prepare the Cream Cheese Filling:
In a separate bowl, beat together the softened cream cheese, sugar, egg, and vanilla extract until smooth and creamy.
8. Assemble the Bread:
Pour half of the banana batter evenly into the prepared loaf pan. Carefully spoon the cream cheese filling over the banana batter, spreading it evenly but staying away from the edges. Then, pour the remaining banana bread batter over the cream cheese layer, smoothing the top gently.
9. Bake the Bread:
Bake in the preheated oven for 55-65 minutes. To check if it’s done, insert a toothpick into the bread away from the cream cheese center; it should come out clean or with a few crumbs. The cream cheese layer may be moist—that’s perfect!
10. Cool and Serve:
Let the bread cool in the pan for about 15 minutes. Then transfer the loaf to a wire rack to cool completely. Slice and enjoy your banana bread with a creamy surprise inside!
Can I Use Frozen Bananas for This Recipe?
Yes, frozen bananas work great! Just thaw them completely and drain any excess liquid before mashing to avoid making the batter too wet.
Can I Make This Banana Bread Ahead of Time?
Absolutely! You can bake it a day in advance and store it wrapped tightly at room temperature or in the fridge. If refrigerated, bring it to room temperature or warm it slightly before serving.
How Should I Store Leftovers?
Store leftover banana bread in an airtight container at room temperature for up to 3 days, or refrigerate for up to a week. For longer storage, freeze slices wrapped in plastic wrap and foil for up to 3 months.
Can I Substitute the Cream Cheese Filling?
Yes, you can replace cream cheese with mascarpone or ricotta for a different flavor and texture, but keep the egg and sugar ratios the same for the best consistency.
