Delicious Banana Bread Recipe with Cream Cheese Filling

Banana bread recipe with cream cheese filling is a rich and moist dessert that balances sweet bananas with a creamy center.

My Baking Addiction inspired this banana bread recipe with cream cheese filling, and I have made it several times, enjoying the way the cream cheese melts into the soft banana bread.

I added a few personal modifications, like slightly increasing the brown sugar and swirling the cream cheese for a marbled effect instead of layering.

I will now share step-by-step instructions for making this banana bread recipe with cream cheese filling, showing how to achieve a tender loaf with a luscious, creamy center.

Why You’ll Love This Recipe

You’ll love this banana bread recipe with cream cheese filling because it turns ripe bananas into a tender, moist loaf that carries a creamy, sweet center.

The cream cheese adds a delicate richness that melts beautifully during baking, creating a subtle tang that balances the sweetness of the bananas. The aroma fills the kitchen, inviting everyone to enjoy it fresh from the oven.

Swirling the filling adds a homemade, bakery-inspired touch, and small personal adjustments make the loaf uniquely yours.

This banana bread recipe with cream cheese filling always delivers a comforting, flavorful treat that pleases every time.

Banana Bread Recipe With Cream Cheese Filling

Recipe Overview

Preparation Time: 10 minutes

Cooking Time: 70 minutes

Total Time: 80 minutes

Course: Breakfast/Dessert

Cuisine: American

Yield: 1 loaf

What You’ll Need For This Recipe

Kitchen Utensils

• Mixing bowls
• Measuring cups and spoons
• Whisk
• Rubber spatula
• Loaf pan (9×5 inches)
• Electric mixer
• Parchment paper

Ingredients

For the Banana Bread:

• 2 cups all-purpose flour
• 2 ⅓ cups mashed overripe bananas (about 5-6 medium bananas)
• 1 teaspoon baking soda
• 2 large eggs, beaten
• ½ cup unsalted butter, melted
• ¾ cup brown sugar
• ¼ teaspoon salt

For the Cream Cheese Filling:

• 2 (8 ounce) packages cream cheese, softened
• 1 cup white sugar
• 1 large egg yolk
• 1 teaspoon vanilla extract

Instructions

Step 1 – Prepare the Cream Cheese Filling:

In a medium bowl, beat the softened cream cheese until smooth. Add 1 cup sugar, 1 egg yolk, and 1 teaspoon vanilla extract. Mix until creamy and set aside.

Step 2 – Prepare the Banana Bread Batter:

Preheat the oven to 350°F (175°C). Grease a 9×5-inch loaf pan or line it with parchment paper. In a large bowl, combine mashed bananas, melted butter, brown sugar, and beaten eggs. Mix well until smooth.

Step 3 – Mix Dry Ingredients:

In a separate bowl, whisk together the flour, baking soda, and salt. Gradually fold the dry ingredients into the banana mixture until just combined. Avoid over mixing.

Step 4 – Layer the Batter and Filling:

Pour half of the banana batter into the prepared loaf pan. Spread the cream cheese filling evenly over the batter. Carefully pour the remaining banana batter on top, spreading gently to cover the filling.

Step 5 – Bake the Bread:

Bake in the preheated oven for 60–70 minutes or until a toothpick inserted into the center of the bread (avoiding the cream cheese layer) comes out clean. If the top starts to brown too quickly, loosely cover with foil.

Step 6 – Cool and Serve:

Remove from oven and let the banana bread cool in the pan for 10–15 minutes. Transfer to a wire rack to cool completely before slicing. Serve and enjoy!

Notes: Use overripe bananas for the best flavor and natural sweetness. Let the banana bread recipe with cream cheese filling cool completely before slicing to prevent the cream cheese from oozing out. You can swirl the cream cheese filling for a marbled effect instead of layering.

Nutrition Facts Of Banana Bread Recipe With Cream Cheese Filling

Nutrition	Amount
Calories	420 kcal
Fat	18 g
Saturated Fat	10 g
Carbohydrates	60 g
Sugars	38 g
Protein	6 g
Fiber	2 g

Why My Recipe Works

My banana bread recipe with cream cheese filling works because the overripe bananas provide natural sweetness and moisture, keeping the loaf soft and tender.

The brown sugar and butter enrich the batter, creating a golden, flavorful crumb, while the baking soda ensures the bread rises evenly.

The cream cheese filling stays creamy without collapsing, adding a luscious texture and subtle tang that contrasts the sweet banana base.

Beating the eggs and folding ingredients gently prevents toughness, and baking at the right temperature allows the loaf to cook through without drying. This balance makes every slice consistent and delicious.

Best Serving Ideas

Serve this banana bread recipe with cream cheese filling slightly warm or at room temperature. It pairs wonderfully with a cup of coffee, tea, or hot chocolate for a cozy breakfast or afternoon treat.

Spread a thin layer of butter, honey, or nut butter on top to enhance the flavor. Slice into smaller pieces for snacks or pack in lunchboxes for a sweet surprise.

For a more indulgent option, serve alongside fresh berries or a dollop of whipped cream. The cream cheese center adds a decadent touch that makes each serving feel special.

Health Benefits

Banana bread recipe with cream cheese filling can be enjoyed as an occasional treat that also provides nutritional benefits.

The bananas offer potassium and fiber, supporting heart health and digestion, while eggs contribute protein essential for muscle maintenance.

Cream cheese adds calcium for strong bones, and butter supplies fat-soluble vitamins. Including nuts or spices like cinnamon can further support metabolism and provide antioxidants.

Moderation is key, as sugar content can be high, but this loaf can be part of a balanced diet when paired with fruits or a healthy breakfast.

Expert Baking Tips

1. Use very ripe bananas with dark spots for natural sweetness and maximum moisture. Overripe bananas make the loaf tender and flavorful.

2. Make sure eggs, butter, and cream cheese are at room temperature. This ensures smoother mixing and prevents lumps in the batter or filling.

3. Fold the dry ingredients gently into the wet mixture. Over mixing can make the bread dense and tough.

4. Pour half of the banana batter into the pan, add the cream cheese filling, and then top with the remaining batter. Swirl gently if you want a marbled effect, avoiding heavy mixing that could sink the filling.

5. Bake at 350°F (175°C) and check with a toothpick in the center. Some cream cheese may stick, but the loaf should spring back slightly. Adjust time if your oven runs hot or cold.

6. Let the bread cool in the pan for 10 minutes, and then transfer to a wire rack. Cutting too early can cause the filling to ooze and slices to fall apart.

Additions And Variations

✔ Nuts: Adding chopped walnuts, pecans, or almonds introduces a satisfying crunch that contrasts the soft, tender bread and creamy center. Toast the nuts lightly before folding them in to enhance their natural flavor.

✔ Chocolate: Chocolate chips, chunks, or a drizzle of melted chocolate make the bread richer and more indulgent. Dark chocolate ads depth, milk chocolate gives sweetness, and white chocolate creates a creamy contrast to the banana.

✔ Spices: Cinnamon, nutmeg, allspice, or a pinch of ground ginger brings warmth and complexity. These spices highlight the sweetness of the bananas and add aromatic layers to each slice.

✔ Fruit: Fresh berries like blueberries, raspberries, or chopped strawberries add bursts of juiciness, while dried fruits like raisins or cranberries contribute chewy texture and subtle tartness that pairs beautifully with the cream cheese filling.

✔ Toppings: Adding a crumb topping, oats, or extra nuts before baking gives a bakery-inspired look and adds textural interest, making each slice more visually appealing and flavorful.

Storage Instructions

Store banana bread recipe with cream cheese filling in an airtight container at room temperature for up to 2 days. For longer storage, wrap the cooled loaf tightly in plastic wrap or aluminum foil and refrigerate for up to 5 days.

To freeze, wrap the loaf or individual slices in plastic wrap and then in a layer of foil, keeping it in the freezer for up to 3 months.

Thaw frozen banana bread recipe with cream cheese filling at room temperature or warm slices gently in the oven or microwave before serving to restore its soft, creamy texture.

Conclusion

This delicious and amazing banana bread recipe with cream cheese filling is a recipe that everyone enjoys. Every time I make it, it brings joy to anyone who tastes it, and I love serving it fresh for family and friends.

The combination of soft banana bread recipe with cream cheese filling and creamy filling makes it a treat that is both comforting and indulgent. I follow my method carefully, and it consistently turns out perfectly.

I hope you try this banana bread recipe with cream cheese filling, enjoy the baking process, and savor every slice as much as I do.

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