Banana Bread Cream Cheese

Featured in Baked Goods That Make Your Kitchen Smell Amazing.

Get the best of both worlds with this moist banana bread filled with a layer of creamy cheesecake. Using ripe bananas and everyday ingredients, this easy recipe makes two tasty loaves that are perfect for mornings, snacks, or sharing with friends.
A chef wearing a white hat and apron.
Updated on Thu, 27 Mar 2025 22:27:03 GMT
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Take a bite of incredibly soft banana bread with a hidden cream cheese layer tucked inside. This combo treat brings together two favorites into one amazing loaf. I've tweaked this recipe many times, and now it's what everyone asks me to make whenever we get together for breakfast.

I brought both loaves to our family get-together last weekend, and they were gone before anyone finished their first cup of coffee. Everyone wanted to know how I made that amazing cheese layer.

Key Components

  • Spotty Bananas: Pick three with dark spots for the best flavor
  • Softened Cream Cheese: Makes that dreamy middle layer
  • Sour Cream: The secret to super soft bread
  • Brown and White Sugar: Gives perfect sweetness and keeps things moist
  • Eggs at Room Temp: Needed for both parts to mix right
  • Real Vanilla Extract: Boosts taste in the bread and filling

Step-By-Step Directions

Making Your Filling:
Make sure your cream cheese is properly softened first - this really matters. Mix it with sugar until smooth and free of bumps, then add your egg, vanilla, and flour. You want it completely silky. This will be your yummy surprise inside.
Preparing Banana Mix:
Smash those ripe bananas until mostly smooth with a few small chunks left. Stir in your melted butter and both kinds of sugar until combined. Then mix in eggs, vanilla, and sour cream until everything looks the same. Your mix should be thick but still pourable.
Putting It Together:
Pour roughly two cups of banana mix into each greased pan. Spoon your cream cheese mix on top, and spread it out gently. Cover with the rest of your banana mix, making sure the cream cheese is fully sealed inside.
Baking It Right:
Bake at 350°F for about 50-55 minutes. Check by sticking a toothpick near the middle - you want some moist crumbs but no wet batter. The top should look golden and slightly cracked.
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Cream Cheese Banana Bread Recipe | cookscoop.com

I came up with this recipe because I love both cheesecake and banana bread. One day while making both separately, I wondered what they'd taste like together. The result was even better than I'd hoped.

Keeping It Fresh

Keep your bread in a sealed container on the counter for up to a week. Even though there's cream cheese inside, you don't have to refrigerate it, but you can if you want. If you do put it in the fridge, let it warm up before eating for the best taste.

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Banana Tricks

Start saving super ripe bananas in your freezer for when you want to bake. Just peel them before freezing. When you need them, let them thaw on the counter and they'll be perfectly mushy for your bread. Remember that darker bananas make sweeter, tastier bread.

Mix It Up

Try throwing some walnuts or chocolate chips into your banana mixture for some crunch. You can add cinnamon to your cream cheese for a cozy flavor twist. Want something extra? Sprinkle a crumbly topping on before baking. No matter how you change it up, that cream cheese surprise stays amazing.

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Best Cream Cheese Banana Bread Recipe | cookscoop.com

Wrapping Up

This Cream Cheese Banana Bread brings together two wonderful treats in perfect harmony. Every slice gives you that familiar banana bread comfort plus a fancy cream cheese surprise. Whether you're having friends over or just want to make your banana bread extra special, this recipe shows how putting two good things together can make something even better. It's become more than just bread to me. It reminds me that playing around in the kitchen often leads to the tastiest discoveries.

Frequently Asked Questions

→ How ripe do bananas need to be?
Brown spots on the peel are perfect! The sweeter, the better for this bread.
→ Is this bread freezable?
Absolutely! Wrap it tightly in plastic wrap and foil, then freeze for up to 3 months.
→ What’s the deal with room temperature ingredients?
They mix more easily, making the batter smooth and even.
→ Can I bake just one loaf?
Sure, just cut all the ingredient amounts in half and use a 9x5-inch pan.
→ What’s the best way to store it?
Keep in a sealed container at room temp for 3 days or refrigerate for up to a week.

Banana Bread Cream Cheese

Moist banana bread meets creamy cheesecake filling. A delicious way to use ripe bananas.

Prep Time
20 Minutes
Cook Time
85 Minutes
Total Time
105 Minutes
By: Adriana

Category: Breads & Pastries

Difficulty: Intermediate

Cuisine: American

Yield: 2 Servings (2 loaves)

Dietary: Vegetarian

Ingredients

→ Filling Ingredients

01 1 large egg, at room temperature
02 ½ cup (100g) white sugar
03 1 tablespoon plain flour
04 1 teaspoon vanilla flavoring
05 1 block (8 ounces) of softened cream cheese

→ Bread Ingredients

06 ½ teaspoon baking powder
07 2 teaspoons vanilla flavor
08 3 bananas, fully ripe
09 ½ cup sour cream, softened at room temp
10 1 cup (200g) sugar, split equally between white and brown
11 ½ cup (113g) melted butter
12 ½ teaspoon baking soda
13 2 large eggs, warm from room temperature
14 2 cups (256g) regular flour

Instructions

Step 01

Heat oven to 350°F. Coat two loaf pans (9x5-inch size) in cooking spray that prevents sticking.

Step 02

Whip cream cheese with white sugar until glossy. Blend in the egg and vanilla. Sprinkle in flour and mix till smooth. Put aside for later.

Step 03

In a big bowl, mash up bananas. Stir in sugars and melted butter until blended. Whisk in sour cream, eggs, and vanilla next.

Step 04

Incorporate baking soda, flour, and baking powder in a separate bowl by whisking them. Gradually mix this into the banana mixture.

Step 05

Pour half of the banana batter into each of the two pans. Spread on the cream cheese filling so it covers evenly. Add the rest of the batter on top.

Step 06

Bake for 50-55 minutes. Check by inserting a toothpick in the middle—it should come out with a few crumbs. Let bread cool all the way before slicing.

Notes

  1. For best results, warm ingredients to room temperature first.
  2. You can keep it fresh by storing in an airtight box.
  3. Perfect use for those overly ripe bananas.

Tools You'll Need

  • Two loaf pans, 9x5 inches
  • Electric mixer
  • Bowls for mixing
  • Measuring spoons and cups

Allergy Information

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

Nutrition Facts (Per Serving)

It is important to consider this information as approximate and not to use it as definitive health advice.
  • Calories: 285
  • Total Fat: 12 g
  • Total Carbohydrate: 42 g
  • Protein: 5 g