Fluffy Cheesecake Banana Bread

Featured in Morning Magic in My Kitchen.

Moist banana bread swirled with a cheesecake layer. Done in 1.5 hours including cooling, serves 12. Great for mornings or dessert.
Rose
Updated on Mon, 10 Mar 2025 17:35:12 GMT
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Discover a luxurious twist on classic banana bread with this cream cheese-layered version that combines the best of banana bread and cheesecake. After perfecting the technique for the cream cheese filling through extensive testing, this recipe delivers a stunning loaf that consistently impresses at gatherings and becomes an instant favorite wherever it's served.

This recipe emerged from a fortunate combination of surplus ingredients - spotted bananas and cream cheese. What began as kitchen experimentation evolved into a family tradition and most-requested recipe.

Key Ingredients

  • Bananas: Use fully ripened, heavily spotted fruits
  • Cream Cheese: Full-fat variety ensures optimal texture
  • Coconut Oil: Creates superior moisture compared to butter
  • Sour Cream: Adds richness and tender crumb
  • Brown Sugar: Provides depth and caramel undertones
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Preparation Method

Base Preparation:
Thoroughly mash bananas until smooth and measure precisely for consistent results. A proper mash ensures even distribution throughout the batter.
Cream Cheese Layer:
The filling requires room temperature cream cheese blended with a small amount of flour to achieve the ideal consistency and distinct layering effect.

Experience has shown that proper cooling time is crucial - rushing this step can compromise the cream cheese layer's stability and overall presentation.

Technical Details

The specific combination of coconut oil and sour cream creates an exceptionally tender texture. Oil-based recipes typically yield moister results than butter-based ones due to better protein coating in the flour, resulting in reduced gluten formation.

Customization Options

The base recipe accommodates various additions. Consider incorporating chopped nuts, chocolate chips, or cinnamon swirls. The robust foundation recipe maintains its integrity while allowing creative variations.

Storage Guidelines

Flavors develop and intensify over 24-48 hours. Store in an airtight container at room temperature. For extended storage, freeze individual portions wrapped securely for convenient thawing.

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Expert Recommendations

  • Use parchment paper with extended sides for easy removal
  • Cover with foil if top browns excessively
  • Eliminate air pockets by tapping pan gently
  • Adjust baking time according to individual oven behavior

This recipe represents the perfect blend of classic comfort and innovative baking technique, consistently delivering exceptional results that make it a treasured addition to any recipe collection.

Frequently Asked Questions

→ Why is my toothpick still messy after testing?
The cheesecake filling stays soft, so a clean toothpick isn’t the best test. Instead, check if the edges are firm and the top is golden.
→ Are overripe bananas okay?
Absolutely! The more overripe and spotty the bananas are, the sweeter and tastier your bread will be.
→ What's the best way to store this bread?
Let it cool fully, then keep it at room temperature for up to a week. You can also freeze it for up to six months.
→ Could I use low-fat cream cheese?
Yep! Light cream cheese works too. The cheesecake layer will still taste great, just not quite as rich.
→ Why would I need to use foil while baking?
If the top is browning too fast, cover it loosely with foil after about 30 minutes to keep it from overcooking before the center sets.

Cheesecake Banana Bread

This super soft banana bread has a creamy cheesecake center. It's simple to bake and bursting with flavor.

Prep Time
10 Minutes
Cook Time
50 Minutes
Total Time
60 Minutes

Category: Breakfast & Brunch

Difficulty: Intermediate

Cuisine: American

Yield: 12 Servings (1 loaf)

Dietary: Vegetarian

Ingredients

→ Banana Bread Batter

01 1 cup mashed bananas (about 2 ripe, big ones)
02 1/2 teaspoon baking soda
03 1/2 teaspoon baking powder
04 1 cup regular flour
05 1/4 cup coconut oil (melted)
06 1/4 cup sugar
07 1/2 cup packed brown sugar
08 1/4 cup sour cream
09 2 teaspoons vanilla extract
10 Just a little pinch of salt (optional)
11 1 large egg

→ Cream Cheese Filling

12 4 ounces cream cheese, softened to room temp
13 1 large egg
14 3 tablespoons regular flour
15 1/4 cup sugar

Instructions

Step 01

Turn your oven to 350°F. Coat a 9x5 pan with butter, grease spray, or flour it lightly.

Step 02

Mix the egg, sugars, coconut oil, sour cream, and vanilla using a whisk. Stir in the bananas, then fold in the dry ingredients (flour, baking soda, baking powder, and optional salt) gently until it’s combined.

Step 03

Whisk the cream cheese, egg, sugar, and flour well until it’s nice and smooth.

Step 04

Start with pouring about two-thirds of the batter into the loaf pan. Spread the cream cheese mix gently over it, then add the rest of the batter on top.

Step 05

Bake for 48 to 50 minutes until the top’s set and golden. If it’s browning quicker than expected, cover it lightly with foil after about 30 minutes.

Notes

  1. Fine to keep out on the counter for up to 1 week
  2. Store in the freezer for a half-year max
  3. You can swap for low-fat cream cheese or sour cream, and it’ll work too

Tools You'll Need

  • A standard 9x5 loaf baking pan
  • A large bowl or two for mixing
  • A cooling rack for letting it rest

Allergy Information

Please check ingredients for potential allergens and consult a health professional if in doubt.
  • Has dairy
  • Contains eggs
  • Made with wheat

Nutrition Facts (Per Serving)

It is important to consider this information as approximate and not to use it as definitive health advice.
  • Calories: 261
  • Total Fat: 12 g
  • Total Carbohydrate: 36 g
  • Protein: 4 g