Cream Cheese-Filled Banana Bread

Cream Cheese-Filled Banana Bread — This is the BEST homemade banana bread recipe! This banana bread tastes like it has cheesecake baked in! Soft, fluffy, easy and tastes ahhhh-mazing!!

Cream Cheese Banana Bread - Banana bread that's like having cheesecake baked in! Soft, fluffy, easy and tastes ahhhh-mazing!

Homemade Cream Cheese Banana Bread Recipe

With over 40+ banana bread and banana recipes, I don’t know why I’ve never incorporated cream cheese. I don’t know what I was thinking because I was really missing out! This cream cheese banana bread is soft and moist, and the cream cheese layer is like having a layer of cheesecake baked into the moist banana bread. No complaints here! 

I had ripe bananas and cream cheese getting ready to expire and knew I needed to do something with both. And voila, this homemade banana bread was born. To make this banana bread recipe, I essentially halved this Peach Mango Coconut Oil Banana Bread. I love everything about that recipe except it makes two loaves and I knew one loaf of cream cheese-filled banana bread would be plenty. It’s almost swimsuit season, after all. 

The big river of cream cheese reminds me of the cream cheese in my Blueberry and Cream Cheese Muffin Top Bread, but this is a thick, bold, unmistakeable layer. It really makes this bread out of this world.

What makes this the best banana bread recipe ever, you ask? For starters, it’s an easy, no mixer recipe that goes from bowl to oven in minutes.

I use melted coconut oil so there’s no butter to cream and no mixer to dirty. Oil keeps bread softer and springier than butter, and I prefer the taste. And a little sour cream (or Greek yogurt) is extra insurance for a soft, springy, bouncy, fluffy loaf. Using sour cream, Greek yogurt, or buttermilk in quick bread and muffin recipe ensures more tender results. 

I had intentions of making French toast with extra slices from the loaf, but we loved this bread a little too much and it disappeared in a day.

It has been a reader favorite that went viral in 2014 when I first posted this recipe. The recipe and photos have been stolen and copied, but that goes with the territory with viral recipes. Most importantly, it’s been adored by thousands of people and those are the comments and feedback I love reading.

Read more: If you love this cream cheese-filled banana bread, then you’ll definitely love my Cream Cheese-Filled Pumpkin Bread as well! 

Cream Cheese Banana Bread slices on white plate

Cream Cheese Banana Bread Ingredients

For the moist banana bread itself, you’ll need: 

  • Egg 
  • Brown sugar
  • Granulated sugar
  • Coconut oil
  • Sour cream
  • Vanilla extract
  • Ripe bananas
  • All-purpose flour
  • Baking powder and baking soda
  • Salt

And for the cream cheese filling, you’ll need: 

  • Egg 
  • Softened cream cheese
  • Granulated sugar
  • All-purpose flour

homemade banana bread recipe

How to Make Banana Bread with Cream Cheese Filling

Don’t let the cream cheese filling fool you into thinking this is a tough banana bread recipe to make — it’s not! This is an incredibly easy homemade banana bread recipe. 

To make the cream cheese banana bread batter, first whisk together the egg, sugars, coconut oil, sour cream, and vanilla before stirring in the mashed bananas and the rest of the dry ingredients. Turn about two-thirds of the batter into a greased loaf pan and smooth out the top with a spatula or the back of a spoon. 

Then, stir together the ingredients for the cream cheese filling and carefully pour over the banana bread batter. Smooth out the top once more before pouring the remaining banana bread batter over the cream cheese layer. 

Bake the cream cheese banana bread until the top is domed, golden, and the center is set, and a toothpick inserted in the center comes out clean. Note that the toothpick test isn’t the most accurate because the cream cheese never gets totally solid.

Once the bread is out of the oven, let it cool completely before slicing and serving. The cream cheese center needs time to set fully, and if you slice it too soon it’ll just ooze out. 

cream cheese banana bread recipe

How to Soften Cream Cheese

If you don’t bake often with cream cheese, you may not be familiar with the best method for softening it. For this banana bread recipe, you need to use brick-style cream cheese (not the whipped kind in a plastic tub). Set the cream cheese on your counter to soften (this will take about an hour, maybe more).

I don’t recommend softening the cream cheese in the microwave, as that can make it too soft

Can I Use a Coconut Oil Substitute? 

Coconut oil adds a nearly imperceptible undertone that’s sweeter and more fragrant than canola or vegetable oil, but substitute with them if you’d like or if you’re very sensitive to coconut flavors. I love baking with coconut oil for muffinscakesbreadcookies and more. 

best banana bread recipe

Can I Make This with Whole Wheat Flour? 

I’ve only ever made this cream cheese banana bread recipe as written, so I can’t say for sure if whole wheat flour would work. My gut says no, but if you try it and it works for you please leave me a comment so I can try it myself! 

Can I Use an 8×4-inch Pan Instead? 

I make this banana bread recipe in a 9×5-inch loaf pan, and this bread is a large loaf. I think an 8×4-inch pan would be too small, and the batter may run over the sides. But you can give it a try if that’s what you have on hand! Just keep in mind that you’ll likely need to bake the bread for longer as well. 

Cream Cheese-Filled Banana Bread - Banana bread that's like having cheesecake baked in! Soft, fluffy, easy and tastes ahhhh-mazing!

Tips for the Best Banana Bread

For the best tasting cream cheese banana bread, you’ll want to use really ripe bananas that have plenty of black spots on them. You need to actually measure out the mashed banana to see if it’s 1 cup, because your idea of two “large bananas” may be different than mine, and you want to add the exact right amount of banana to this bread. 

Also note that once you add the flour to the banana bread batter you should continue mixing the batter until everything is just combined. You do NOT want to over mix the batter, otherwise your homemade banana bread will be a little tough. 

Lastly, tent the pan with a sheet of foil draped over it at the 30 minute-mark if you feel the tops and sides of the cream cheese-filled banana bread will become too browned before the center cooks through. Baking times will vary based on moisture content of bananas, cream cheese, climate, and oven variances. You need to bake this moist banana bread until done — watch your bread, not the clock.

Cream Cheese-Filled Banana Bread - Banana bread that's like having cheesecake baked in! Soft, fluffy, easy and tastes ahhhh-mazing!

Enjoy this video on how to make banana bread with cream cheese filling! 

Cream Cheese-Filled Banana Bread

Cream Cheese-Filled Banana Bread

This is the BEST homemade banana bread recipe! This cream cheese banana bread tastes like it has cheesecake baked in! Soft, fluffy and tastes ahhhh-mazing!!

Yield: one 9x5-inch loaf
Prep Time 10 minutes
Cook Time 50 minutes
Cooling Time 30 minutes
Total Time 1 hour 30 minutes



  • 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 may be substituted)
  • 1/4 cup cup sour cream (lite is okay; or 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 and to taste

Cream Cheese Filling

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


  1. Preheat oven to 350F. Spray one 9×5-inch loaf pan with floured cooking spray, or grease and flour the pan; set aside.

Make the Banana Bread

  1. In a large bowl, add the egg, sugars, coconut oil, sour cream, vanilla, and whisk to combine.
  2. Add the bananas and stir to incorporate.
  3. Add 1 cup flour, baking powder, baking soda, optional salt, and fold with spatula or stir gently with a spoon until just combined; don’t overmix; set aside.
  4. Turn about two-thirds of the batter out into the prepared pan, smoothing the top lightly with a spatula and pushing it into corners and sides as necessary; set aside.

Make the Cream Cheese Filling

  1. In a large bowl, add all ingredients and whisk to combine. Alternatively, mix with a hand mixer.
  2. Evenly pour filling mixture over the bread, smoothing the top lightly with a spatula and pushing it into corners and sides as necessary.
  3. Top with remaining batter, smoothing the top very lightly with a spatula as to not disturb cream cheese layer and pushing batter into corners and sides as necessary.
  4. Bake for about 48 to 50 minutes or until the top is domed, golden, and the center is set, and a toothpick inserted in the center comes out clean, or with a few moist crumbs, but no batter. Note this is tricky because the cream cheese never gets totally solid so the toothpick test isn’t the most accurate.*
  5. Allow bread to cool in pan for about 15 minutes before turning out on a wire rack to cool completely before slicing and serving.
  6. Bread will keep airtight at room temperature for up to 1 week, or in the freezer for up to 6 months.


*Tip: Tent the pan with a sheet of foil draped over it at the 30 minute-mark if you feel the tops and sides will become too browned before center cooks through. Baking times will vary based on moisture content of bananas, cream cheese, climate, and oven variances. Bake until done; watch your bread, not the clock.

Optionally, serve bread with Honey Butter, Cinnamon-Sugar Butter, Blueberry Butter, Strawberry Butter, or Vanilla Browned Butter Glaze.

Nutrition Information:



Serving Size:


Amount Per Serving: Calories: 261 Total Fat: 12g Saturated Fat: 8g Trans Fat: 0g Unsaturated Fat: 3g Cholesterol: 52mg Sodium: 155mg Carbohydrates: 36g Fiber: 1g Sugar: 22g Protein: 4g

More Homemade Banana Bread Recipes:

Love banana recipes? Here are 40+ banana bread recipes and banana desserts to get you started! 

Peach Mango Coconut Oil Banana Bread — My favorite banana bread recipe to date and inspired today’s recipe.

Peach Mango Coconut Oil Banana Bread - The softest, moistest banana bread that tastes like a tropical vacation! A new favorite!

Pineapple Coconut Oil Banana Bread – Buttermilk, bananas and coconut oil keep this bread super moist, tender and it tastes like a tropical vacation.

Brown Sugar Blueberry Banana Bread – Blueberry coffee cake meets super soft banana bread.

Brown Sugar Blueberry Banana Bread with Blueberry Butter - Blueberry coffee cake meets super soft banana bread! So good!

Six-Banana Banana Bread – Six bananas in one loaf of bread means an extremely soft, moist, and richly flavored bread.

Six-Banana Banana Bread - Recipe at

Banana Bread with Vanilla Browned Butter Glaze — Classic banana bread recipe for when you have 2-3 bananas. Vanilla is used four times in this easy recipe that turns out moist and perfect every time. This is the most popular banana bread with readers!

Browned Butter Buttermilk Banana Bread with Strawberry Butter The browned butter and buttermilk add richness, softness, and moisture, and the strawberry butter makes it that much better.

Zucchini Banana Bread — This Zucchini Banana Bread is so soft, tender, uber-moist, dense enough to be satisfying, but still light!

The BEST Strawberry Banana Bread — This strawberry bread is packed with fresh, juicy strawberries in every bite! This is an easy, no-mixer quick bread recipe you’re going to love!

458 comments on “Cream Cheese-Filled Banana Bread”

  1. I made this today. It was delicious!!! 

  2. Is it really 1100+ calories per serving???? That seems a lot even with the cream cheese filling….

  3. Can I use the solid coconut oil and then melt it or do I need to use the coconut oil that’s already liquified?

  4. Help! I just put these in the oven and even the batter smells amazing! But I didn’t save enough to fully cover the top its a loose mix of the cream cheese mixture and the banana bread mixture. Will it still turn out okay just not as ascetically pleasing?

  5. The nutrition info lists 188 g carbs per serving. How is that even possible–Is the info listed for the entire bread?

  6. The BEST Banana Loaf ever :)

    I’m so glad I came across this recipe.

    Made 2 loaves (on hind sight I thought that was me being a bit over confident, as it was my 1st time attempt at making it)
    WOW!!!!! it turned out AWESOME … so happy :)

    Shared 1 loaf with my neighbor…. and I kept getting quite a few thank you messages … guess every time someone ate a slice, my mobile beeped ?

    A BIG Thank you Averie … yours is the BEST recipe for a Banana Loaf (with a yummy twist :)

  7. Oh my goodness it looks amazing. Adding a cinnamon sugar crust is my favorite thing to do with quick bread!

  8. The best banana bread recipe ever! I tried it many, many, many times and have gotten so many compliments and request to bake it more often. Even added choclate and berries to the cream cheese batter for a new twist. Was delicious! Can’t wait to try your other recipes! Thank you!

    • Thanks for LMK that this is the BEST banana bread recipe you’ve ever tried and that you’ve made it a ton of times! Glad it always a hit! The chocolate and berry twist sounds lovely! LMK what else you end up trying of mine.

  9. I made YOUR banana bread recipe exactly as you shared it. Thank you so much for sharing. My husband LOVES banana bread and just went on and on about how spectacular your recipe was. Btw, as hard as it was to do I gave you the credit for his new favorite treat. He even said it was better than his mama’s… SHHHH. Please keep sharing, I will be trying many more of your recipes. Yummy yummy!!

  10. I couldn’t decide if I wanted to make your cream cheese banana bread or the peach mango banana bread so I combined the recipes!! I followed the instructions for the peach mango and added the cream cheese center and put it all in a 9×5 loaf pan.Served it(to myself) with whipped cream.I need a moment….


    • OMG that sounds amazing! I can see how that would be killlllller! Good call on following the recipe for the peach-mango-banana and then adding a layer of CC in the middle. I wish I was having that for dinner actually!

  11. I just made this…terrific! I made them into muffins and they turned out awesome! I also used melted cold pressed coconut oil and vanilla Greek yogurt, taste GREAT!!

  12. honestly probably the most moist banana bread i have ever tried!!! we loved it so much; it basically melts in your mouth. i followed your recipe exactly, however, my cream cheese layer did not turn out as fluffy and we couldn’t really taste it besides being able to see it. the whole loaf came out of the oven pretty domed and golden, but deflated a little as it cooled. any tips? regardless, ill definitely be making this bread again. who doesn’t love super duper moist bread?;) thank you so much for sharing this recipe!!

    • Glad you really enjoyed this super moist banana bread! Regarding falling a bit, sometimes that means you undercooked it just a bit, maybe it needed another 5-10 minutes, hard to say. Also King Arthur flour is my preferred flour for baking because it has slightly more gluten to give things more structure, i.e. insurance against deflation.

  13. I don’t have cream cheese but I have cream cheese frosting. Do you think it’d be good with that in the center?!?

  14. Hi Averie, thank you for this recipe, the cream cheese layer is magical!
    I just thought I”d let you know that there’s a Buzzfeed post with your recipe on it that doesn’t credit you. The photos aren’t yours, but the recipe is. Just letting you know in case you want to get them to take it down!

  15. Hi Averie! Can this be made into a muffin?

  16. It was so good. I made it in the evening by the next morning it was gone!!!!! :)

  17. I do not have a 9×5 pan, can a 8×4 pan be used? If so do I have to cook it for less time? say 35-40 mins?

  18. Awesome recipe for cream cheese filled banana bread found on Pinterest.

    Rating: 5
  19. This recipe was amazing! Super easy to make, using normal ingredients that a typical pantry would have, and clear, useful instructions. My kitchen wasn’t a disaster from using 19 different bowls/tools to make this! Best banana bread I have ever made! I have even printed this recipe out and put it in my recipe album. Thank-you so much sharing this!

    Rating: 5
    • Glad it was a major success and thanks for the 5 star review! And I try to keep the amount of tools, bowls, etc. one needs to a bare minimum in my recipes. Glad you appreciated that fact!

  20. I make banana bread often but had never tried it with cream cheese. It was delicious and easy. And it baked well even after I put most of the batter on the bottom and couldn’t cover all of the cream cheese layer. Thanks for the recipe!

    Rating: 5
  21. Perfect Simple Recipe, Delicious, Party Favorite

    Rating: 4
  22. This recipe is one of the best I have made. I didn’t have brown sugar so I added 2 TBS of molasses to granulated sugar. The bread came out darker but beautiful and very moist. I didn’t have enough batter to cover the cream cheese mixture so it came out marbled. It didn’t matter. I made strawberry butter with macerated strawberries and unsalted butter. I blended with a hand mixer. I took this to a house warming and it was a big hit. I will add this to my favorite recipe list.

    Rating: 5
    • Thanks for LMK it is one of the best you have made! The strawberry butter sounds lovely with it. Thanks for the 5 star review!

      • The strawberry butter idea was yours in your suggestions. I macerated fresh strawberries, drained off the liquid and just blended with butter with a hand blender. It turned out perfect. I should have taken a photo of it. It all was so pretty and the ladies requested your recipe. Said they do a lot bake fundraisers and this would be a great recipe for that. I have forwarded it on. Thank you so much for providing the delicious recipes. Looking forward to trying more!

      • Sometimes I even forget what I suggest, so many recipes…lol. Glad it came out great and that you will be trying more recipes!

  23. Amazing banana bread recipe, I made it exactly as you showed but added walnuts and the mixed flavors of the cream cheese, banana and walnuts was out of this world. Thank you Averie!!

    Rating: 5
  24. Made it today in tropical Singapore. I baked it @ 180 degrees celsius for 30 min and left to stand in oven for another 10 min (off heat).It made only one loaf and a tiny one. So good.

    Rating: 4
  25. I loved this recipe! Easy to make and tastes wonderful. I used 2 eggs instead of one large because I can never find them. They say large but they’re not. I also used 3 bananas. It cooked for about 50 minutes and it’s perfect. Thank you!

    Rating: 5

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