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

Ingredients

Bread

  • 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

Instructions

  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.

Notes

*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:

Yield:

10

Serving Size:

1

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 averiecooks.com

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!

454 comments on “Cream Cheese-Filled Banana Bread”

  1. Can store-bought softened cream cheese be used?

  2. hello Averie, very excited to try this recipe tonight. I was wondering what do you think of using Buckwheat flour instead of all purpose flour?

  3. Recipe was excellent!I modded by adding some fresh lemon juice (to taste, probably around ~1tbsp) and a handful of fresh blueberries to the cream cheese layer. The end result was divine and made for a perfect summer treat!

    Rating: 5
  4. This is flat out the world’s greatest banana bread recipe. Every time I have a party for work people beg me to bring them banana bread! Coworkers literally bring me their old bananas in hopes I’ll whip them up a loaf. And you seriously can’t mess it up! I accidentally added almond extract to it last time and just rolled with it and it was just as delicious as ever. Add cinnamon if you like. Sprinkle almonds on top. Try mixing walnuts in. I’ve tried all sorts of adaptations and they’re all amazing, but as written it is amazing. Eat it warm!

    Rating: 5
  5. I’ve been making this recipe for my family for a year or so – it’s become a favorite and is requested all the time. Amazing! Today, we doubled the recipe and turned it into a cake… baking time was tricky but we’re excited to try it!

    Rating: 5
  6. I found our go-to banana bread recipe!!! This is just so so so darn tasty 😋 My little kiddo is allergic to milk so we made this without the cream cheese filling and used a dairy-free sour cream (tofutti is the brand). I was a bit nervous with my substitutions, but it still came out oh so tasty!!! Thank you!

    Rating: 5
  7. I’m a chef at a sorority house at a major university. I make this for my girls and they are crazy about it. Best Banana Bread recipe I’ve found.

    Rating: 5
    • Thanks for the 5 star review and glad this is a hit with the girls! I only wish in my time in my sorority house that I had a chef making banana bread for me…wow, your girls are lucky :)

  8. I’ve just made this for the first time and it smells delicious, cant wait to try it! Just a quick question though, I’ve baked this to for a pot luck tomorrow night, and the comments I’ve read say to have it warm, so, how long and how hot should I put it in the oven so that its ready for last course?

    Rating: 5
    • Thanks for the 5 star review! Honestly I have never put it back in the oven to re-warm it and I don’t think the majority of people do so either. I would just serve it as-is so you don’t run the risk of drying it out.

  9. So delicious! Made it for my coworkers and ended up making another one for the family the next day. I ended up using 3 bananas, and 1 banana creme Greek yogurt and so moist and good, not too bananay at all. Received tons of compliments! Thanks for sharing, will keep in my recipe book.

    Rating: 4
  10. Hi Avery! This banana bread looks awesome but my family isn’t crazy about cream cheese filling. I’m trying to decide whether to make this recipe without the filling or the Flours Famous Banana Bread you have. Any advice which one would be moister and more flavorful? And if I just used this recipe without the cream cheese, would an 8×4 loaf pan be sufficient? Thx!

  11. This is the best! It has replaced banana cake in our family. I’ve made it 3 times now, and it is always great! Highly recommend this recipe. Thank you for sharing it!

    Rating: 5
  12. I love making Banana nut muffins for Christmas. I saw this recipe right after I finished my Christmas baking but I have been blessed with lots of bananas this year. I had 4 stalks of bananas ripen between November and January so decided to make more muffins using this recipe. I added walnuts to the recipe. I baked the muffins for 25 minutes checking after 20 minutes. They turned out great. These will be added to my Christmas plates next year.

  13. Cake was perfect cut cheese frosting went like rubber gna leave tht out next time

    Rating: 4
  14. HiMy friends and family enjoyed this banana bread andIt quickly disappeared. Howerver I was a little disappointed that the cream cheese layer didn’t have much flavor. Trying to think how I could change the cream cheese part to get add more cheesecake flavor Thanks for your recipe

    Rating: 4
  15. Made this for the third time in as many months, as I can’t keep my husband away from it! Best bandanna bread ever! This time I needed individual portions for a party so I made into muffin/cupcakes. A little time consuming this way, but worth the effort. Sooo cute and yummy! Thanks for sharing with us, and I can’t wait to try more from your site!

    Rating: 5
  16. Definitely gonna try this

  17. Averie…YOU’RE the Bomb !!! This recipe is just AMAZING. I’ve always made banana bread for other’s, I was never a fan until NOW. THANK YOU! This IS THE MOST delicious, scrumptious banana bread recipe there ever was… YUM!

    Rating: 5
  18. I put some cinnamon in the cake batter and used left over mascarpone with a little Greek yogurt. It is delish! Thanks a lot for the recipe <3

  19. Hi just wanted to say thank you for this delicious banana bread recipe. My family just loved it. I. Will be making it again

    Rating: 5
  20. I tried making this recipe. It was so perfect! I even made variation, changing banana into carrots. It turned out very well as the original! thank you for this. I shared the baked goods with my family, friends and co-workers. They were all satisfied, asking for more!

  21. Made this tasty morsel today. I substituted honey for the brown sugar and unsweetened applesauce for the plain sugar. I will use sweetened applesauce and a little more honey the next time. Practice will make perfect but I am not complaining about this one. It was good. 🖒🖒🖒

    Rating: 5
  22. Hi from British Columbia, I’m pretty sure I just gained a couple pounds looking at all the pictures and love all the bread recipe’s, yup, all of them and I’m gonna start as soon as Mom lets me bake again, got the boot from the kitchen from my last batch of Fudgy Brownies cause she’s on another new diet (Lectin Free) which should only last a week or two then I’ll be back in for her withdrawals. Thing is I’m gonna have to tweek them a bit, coconut/almond/tapioca flours, flax eggs, maple syrup and hope it doesn’t turn into a brick but if it does my sisters birthdays coming up and she’s Vegan, there used to bricks…Thank again timmy…Live Long and Prosper…

  23. We started to make this last year and it has become a family favorite. It is a delicious recipe and very easy to make!Everyone will want seconds…

    Rating: 5
  24. If I make it again I think I’ll leave the sugar out of ten cream cheese. A little too sweet for me.

  25. This recipe it the BEST! We could have eaten the whole cake in one day, but wanted some for breakfast the next day.Today I am going to double it (hope I don’t run into trouble) and make cupcakes, so I can share with friends.Thank you, Averie

    Rating: 5

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