
Ordinary banana bread gets a major upgrade in this luxurious version that reminds you of your favorite Girl Scout cookie but in bread form. With three kinds of chocolate and a mouthwatering salted caramel coconut finish, this loaf brings together homey comfort and Samoa cookie vibes. Since creating this, it's become the number one bread my friends and family beg me to make for special events.
I brought this to a brunch party last weekend and before they'd even finished their first piece, three guests asked me how to make it. Everyone couldn't stop grabbing more once they tasted the chocolate mixed with that toasty coconut.
Key Components
- Spotty Bananas: Pick three very ripe ones for the best sweetness
- Chocolate Trio: Use cocoa, milk chocolate, and semi-sweet morsels
- Eggs at Room Temp: Critical for smooth incorporation
- Sour Cream: Adds amazing moistness and softness to the texture
- Sweetened Coconut: Gets browned for an incredible caramel topping
- Good Caramel Sauce: Creates the foundation for that can't-resist glaze
Step-By-Step Preparation Guide
- Chocolate Foundation:
- Start by mixing flour, cocoa, baking soda, and salt together. This forms your chocolate base with the cocoa powder giving that first layer of chocolate goodness. Make sure there aren't any cocoa clumps left in the mix.
- Liquid Mixture Setup:
- Blend oil with brown sugar until they're fully combined. Add eggs and sour cream (both at room temp), and mix till smooth. Using ingredients that aren't cold helps everything blend perfectly for the right consistency.
- Adding Bananas:
- Gently mix in your mashed bananas plus both kinds of chocolate chips. Using two different chocolates creates interesting flavors, while the bananas keep everything moist and naturally sweet.
- Making the Coconut Top:
- Brown your coconut in a pan over medium-low heat, keeping a close eye on it and stirring often until it's golden. This simple step changes plain coconut into something nutty and caramel-like that makes this bread special.

I came up with this recipe while eating Samoa cookies and banana bread together. I suddenly thought what if I mixed these flavors? The results were even better than I imagined.
Heat Management
Getting this bread just right depends on watching your oven temp and timing. Bake at 350°F for an hour, then cover with foil for another 20 minutes. This way the center cooks through while the top doesn't get too dark.

Keeping It Fresh
Keep bread without topping at room temp for up to 5 days. For longer storage, freeze it without the coconut caramel layer for up to three months. When you want to eat it, let it thaw completely at room temperature, then make a fresh topping.
Freezing Tips
To freeze your bread, let it cool fully, then wrap in parchment paper first, followed by foil. Put it in a freezer bag with all the air squeezed out. Add the date and freeze up to three months. Always wait until after thawing to add the fresh topping.

Closing Thoughts
This Toasted Coconut Chocolate Banana Bread brings comfort food and fancy dessert together perfectly. Every bite gives you that chocolate banana goodness topped with something that tastes like candy. It doesn't matter if you love Samoa cookies or just enjoy trying new flavor combos, this bread shows that the best treats often come from mixing things you wouldn't normally put together.
Frequently Asked Questions
- → Can I swap chocolate chips?
- Totally, use any mix of chocolate chips as long as the total is 1 cup.
- → Why bake with foil on top?
- Adding foil keeps the top from getting too brown while it bakes longer.
- → Do I have to include the coconut topping?
- Not at all—this loaf tastes amazing plain or with a different topping.
- → What’s the best way to store it?
- Use a sealed container and keep it at room temp for up to 3 days.
- → Can I freeze it for later?
- Yes, but leave off the topping first. Freeze for up to 3 months and add topping after thawing.