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How about a new take on banana bread? A Moist Chocolate Oatmeal Banana Bread with rolled oats, maple syrup, extra cinnamon, ripe mashed bananas and chocolate chips. This chocolate and oat version is hearty, tender, and anything but boring. A one bowl mix and bake breakfast or dessert in under an hour.

The smell of warm banana bread is one of my favorite things, especially when it has notes of chocolate, like my Chocolate Chip Banana Bread. I created this recipe with the nostalgic flavor of chocolate oatmeal cookies in mind. There’s just enough cocoa powder to not overpower the banana flavor, a little brown sugar and cinnamon, along with chewy rolled oats. The oats help turn this chocolate chip banana bread into a heartier more fiber loaded breakfast.
The best part is that the batter comes together in one large mixing bowl without the need of an electric hand mixer. All it takes is mixing the dry ingredients and wet ingredients separately, then combining them into a thick oatmeal batter before baking. It smells amazing and pairs nicely with a cup of coffee. Enjoy a warm slice with a slather of peanut butter or almond butter.
Key Ingredients and Test Notes
- Old Fashioned Rolled Oats: I love the texture of whole oats in quick breads and muffins. I’ve added them whole and also blitzed in a food processor for a smaller crumb before adding to the batter.
- Test Note: Make sure to let the batter sit for the recommended 10 minutes before baking to allow the oats to absorb some of the moisture, resulting in a lovely soft and chewy texture. I have not tried quick oats for this recipe and don’t recommend using them.
- Whole Wheat and All Purpose Flour: A mixture of flours gives a mixture of texture and flavors. The whole wheat flour adds more fiber and nutrients to the bread, which makes it great for a filling breakfast.
- Test Note: This loaf can be made using all whole wheat flour or all purpose flour instead of the combo.
- Dutch Processed Cocoa Powder: Dark and richer in flavor, the dutch processed cocoa blends lovely with the sweetness of the bananas and added semi-sweet chocolate chips.
- Mashed Overripe Bananas: It takes about 2-3 large bananas mashed to create 1.5 cups of mashed banana for this bread. Always choose over ripened brown bananas with lots of brown spots on the peel for full banana flavor.
- Test Note: With fresh or slightly green bananas, place them in a paper bag for 1-2 days until browned.
- Brown Sugar and Maple Syrup: We need a little sweetness added to our hearty oatmeal bread. I chose to use light brown sugar for its ability to create a nice moist texture. Then, a little bit of maple syrup for a touch of maple flavor.
- Neutral Oil: To add richness and tenderness to the banana bread crumb, I chose oil over butter. I’ve made this recipe with sunflower oil, olive oil, and coconut oil.
- Semi-Sweet or Dark Chocolate Chips: Adding extra chocolate chips is completely optional, but why not have a little extra melted chocolate. Mixing a few in the batter and sprinkle more on top before baking. Use either all semi-sweet chocolate or a mixture with dark chocolate chips.
- Whole Milk or Sour Cream adds moisture to the batter and can be used interchangeably.
How to Make Chocolate Oatmeal Banana Bread

- Mix dry and wet ingredients separately, then fold them together with a spatula. Add in the chocolate chips and fold to evenly to distribute through the batter.

- Transfer the chocolate oatmeal batter to a prepared loaf pan. Sprinkle the top with additional oats and chocolate chips. Allow the batter to rest for 10 minutes before baking.

- Bake loaf on the middle oven rack until the center is cooked through with only a few moist crumbs on an inserted toothpick. Let bread cool completely before slicing.

Helpful Tips
- Use your overripe brown extra bananas for the best flavor.
- Don’t overmix the banana bread batter, simply hand whisk the dry ingredients and wet ingredients in separate bowls. Then, pour the dry ingredients into the wet and stir until combined.
- I prefer whole milk for this recipe, but it can be evenly swapped for your milk of choice or sour cream.
- Spices can be adjusted to your personal taste as well, try adding a little nutmeg or cardamom.
- Pour batter into a prepared loaf pan with lining of parchment paper, allowing it to hang over the longer sides. Once the loaf is baked simply grab each side of parchment paper and lift the loaf from the pan.
- Let the batter sit for about 10 minutes before baking to allow the oats to absorb some of the moisture.
- Loaf is baked through at around 60-65 minutes. You will know its done is when a toothpick inserted into the center comes out with only a few crumbs.
Leftovers & Storage
- Room Temp: Since this is a moist banana bread I recommend wrapping the cooled loaf in aluminum foil or placing in an airtight container, at room temperature for up to 5 days.
- Freeze: Wrap the whole loaf or individual slices in plastic wrap and a layer of aluminum foil. Bread will keep in the freezer for up to 3 months. Thaw at room temperature before serving.
- Serve Warm: Heat a slice of leftover bread in the microwave for 8-10 seconds to slightly melt the chocolate.

★★★★★ Please leave a star rating and review below if you make this recipe! THANK YOU!!
Chocolate Oatmeal Banana Bread

Equipment
- 9×5-inch metal loaf pan 1.25 pound
- parchment paper
Recipe Video
Ingredients
- 100 grams (1 cup) old fashioned whole oats
- 189 grams (1.5 cups) all purpose flour
- 64 grams (½ cup) whole wheat flour
- 110 grams (½ cup) light brown sugar
- 21 grams (¼ cup) unsweetened dutch processed cocoa powder
- 1 teaspoon baking soda
- 1/2 teaspoon sea salt
- 1 tablespoon ground cinnamon
- 1 teaspoon ground ginger
- 1/4 teaspoon ground cloves
- 341 grams (1.5 cups) mashed bananas, over ripened *about 3 bananas
- 60 grams (¼ cup) whole milk, room temperature
- 85 grams (¼ cup) maple syrup
- 2 large eggs, room temperature, lightly beaten
- 112 grams (½ cup) vegetable oil
- 1 teaspoon pure vanilla extract or vanilla bean paste
- 85 grams (½ cup) semi sweet chocolate chips
Topping
- old fashioned whole oats
- semi sweet chocolate chips
Instructions
- Preheat oven to 350℉ (180℃) and spray a 9×5-inch loaf pan with baking spray. Line a piece of overhanging parchment paper across the long side of the pan.
- Whisk together oats, flour, brown sugar, sifted cocoa powder, baking soda, salt, ground cinnamon, ginger, and cloves in a medium bowl.100 grams old fashioned whole oats, 189 grams all purpose flour, 64 grams whole wheat flour, 110 grams light brown sugar, 21 grams unsweetened dutch processed cocoa powder, 1 teaspoon baking soda, 1/2 teaspoon sea salt, 1 tablespoon ground cinnamon, 1 teaspoon ground ginger, 1/4 teaspoon ground cloves
- In a separate bowl hand whisk the together mashed bananas, milk, maple syrup, eggs, and vegetable oil until blended.60 grams whole milk, 341 grams mashed bananas, 85 grams maple syrup, 2 large eggs, 112 grams vegetable oil, 1 teaspoon pure vanilla extract or vanilla bean paste
- Pour the banana mixture into the flour mixture and fold together with a rubber spatula until no flour streaks remain. Gently fold in the chocolate chips to distribute.85 grams semi sweet chocolate chips
- Transfer the batter into the parchment paper lined loaf pan and allow to sit for 10 minutes.
- Sprinkle more oats and chocolate chips across the top.old fashioned whole oats, semi sweet chocolate chips
- Place pan on the center of the middle rack in the oven and bake for 65-70 minutes until toothpick comes out clean.
- Set pan on a wire cooling rack to cool completely. Lift up on the overhanging parchment paper and remove the loaf from the pan.
- Place the chocolate banana bread on a cutting board and slice to serve.





I need to say this up front. I get irritated when people give stars to a recipe when they haven’t even tried it. It’s very unhelpful.
That said, I made this and I like it a lot. Easy to make, healthier than normal due to whole wheat and oats. I made as is except for adding in a bit more chocolate chips than called for. Oh, and the recipe do say when to add in the 1/2cup of chips. I threw them in to the flour mixture.
Thanks for the delicious recipe.
I’m really enjoying the design and layout of your website.
It’s a very easy on the eyes which makes it much more pleasant for me
to come here and visit more often. Did you hire
out a designer to create your theme? Fantastic work!
This is exactly what i was looking for! I have one question though: can i replace the maple syrup with honey or more sugar and if so what quantity?
Or should i just leave it out?
I’m sorry I don’t have it or even access to it, but i do have all the other ingredients to make this bread tomorrow.
Jenn, should I add the cocoa and sugar to the dry ingredients? Thank you, valerie
Yes!:)
I have tried this a few times now and recommend it
Hi I love your blog and check recipes . Living in india and I refer to indian baking tips too and usually see either oil/butter/ some form of fat being used . In your recipes I don’t see it , also I see the ratio is sugar to flour is recommended half but yours is 1/4th maybe . Any reason ? I wanna be sure before baking . Thank you !
I wonder if this will work with almond flour or some other flour… even oat flour?
My mother in law made this recipe and it was the best thing ever!! But of course I’d like to try and make it without flour for my health reasons…
Delicious! Thank you, it was just what I wanted! Perfect combo of three flavors; banana, spice and chocolate.
Thanks Elisa!! I’m so glad you liked it!
Very yummy, thanks for sharing! It was not overly sweet and I really appreciated that. I made a couple of changes, adding the walnuts to the batter along with some dark chocolate chips. I also added some brewer’s yeast so it would be good for lactation.