Cream Cheese Swirled Banana Bread

There’s something nostalgic and comforting about the scent of banana bread baking in the oven.

But this isn’t just any banana bread — it’s filled with a luscious cream cheese center that turns a humble loaf into something truly indulgent.

I made this loaf on a rainy Sunday morning, and the moment I sliced into it, the dreamy swirl of cream cheese was enough to make the whole kitchen go silent in awe.

Whether you’re serving guests or just need a cozy treat, this bread checks every box.

Why You’ll Love This Recipe

Combines classic banana bread with a creamy surprise inside

Soft, moist, and flavorful with every bite

Easy to make with pantry staples

Freezer-friendly and great for gifting

Feels like cake but totally acceptable for breakfast!

What You’ll Need (Ingredient Highlights)

Mashed ripe bananas – Use brown-speckled bananas for best flavor and natural sweetness.

Coconut oil – Adds richness without overpowering the banana flavor.

Sour cream – Keeps the bread ultra-moist. Greek yogurt works too.

Brown sugar – Adds depth and a touch of caramel-like sweetness.

Cream cheese – The star of the filling, it creates a rich and tangy layer inside.

Eggs and flour – For binding and structure in both batter and filling.

Pro Tips Before You Start

Don’t overmix the batter after adding flour — it can make the bread tough.

Use brick-style cream cheese (not whipped or spreadable) for best texture.

For clean slicing, chill the loaf for 1 hour before cutting.

Line your pan with parchment for easy removal.

Let the bread cool completely before serving to set the cream cheese layer.

How to Make Banana Bread with Cream Cheese Filling

Step 1: Prepare the Pan

Preheat your oven to 350°F (175°C).

Grease a 9×5-inch loaf pan with nonstick spray and a light dusting of flour, or use parchment paper.

Step 2: Mak the Banana Bread Batter

In a large mixing bowl, whisk together the egg, brown sugar, granulated sugar, coconut oil, sour cream, and vanilla extract until smooth.

Stir in the mashed bananas until incorporated.

Add the flour, baking powder, baking soda, and a pinch of salt.

Fold gently with a spatula just until combined. Do not overmix.

Step 3: Add First Layer to the Pan

Pour about two-thirds of the batter into the prepared pan.

Use a spatula to spread it evenly into the corners. Set aside.

Step 4: Prepare the Cream Cheese Filling

In a separate bowl, whisk or beat the cream cheese, egg, sugar, and flour until smooth and creamy.

Step 5: Add the Filling

Pour the cream cheese mixture evenly over the banana layer.

Spread gently to reach all sides without mixing it into the batter.

Step 6: Add the Final Batter Layer

Carefully spoon the remaining banana batter over the filling.

Use a light touch to smooth it over so you don’t disturb the cream cheese layer underneath.

Step 7: Bake the Loaf

Bake for 48–50 minutes, or until the top is golden and domed.

A toothpick inserted into the bread (not the cream cheese layer) should come out clean or with moist crumbs.

Step 8: Cool and Serve

Let the bread cool in the pan for 15 minutes.

Then remove it and place on a wire rack to cool completely before slicing.

What to Serve It With

A hot cup of coffee or chai latte

A scoop of vanilla ice cream for dessert

A drizzle of maple syrup for extra indulgence

Fresh berries on the side

Variations / Substitutions

Add chocolate chips – Mix ½ cup into the batter for a choco-banana twist.

Swap sour cream – Use Greek yogurt for a lighter version.

Nutty crunch – Add chopped walnuts or pecans to the top before baking.

Gluten-free – Use a 1:1 gluten-free flour blend.

Storage & Leftovers

Store leftovers wrapped at room temperature for up to 2 days.

For longer storage, refrigerate for up to 5 days.

You can freeze slices (wrapped tightly) for up to 2 months.

Thaw overnight in the fridge and warm gently before serving.

FAQs

Can I double this recipe for two loaves?
Yes! Just double all the ingredients and divide evenly between two 9×5 pans.

Can I use oil instead of coconut oil?
Absolutely. Canola or vegetable oil both work well.

Why does the toothpick test seem unreliable with this bread?
Because of the cream cheese layer, the center will always be a bit soft.

Test around the edges of the filling instead.

Do I need to use overripe bananas?
Yes. The riper the banana, the better the flavor and sweetness.

Can I add cinnamon or spices?
Definitely! A teaspoon of cinnamon or pumpkin pie spice adds cozy depth.

Is it okay to use low-fat cream cheese?
Yes, but full-fat gives the best flavor and texture.

Do I have to wait until it cools to slice?
It’s tempting, but yes — letting it cool helps the cream cheese layer firm up for clean cuts.

Final Thoughts

This banana bread with cream cheese filling takes a timeless classic and gives it a rich, creamy upgrade.

It’s one of those recipes you’ll turn to when you want to impress guests — or just treat yourself to something a little extra special.

Every slice is a hug from the inside.