
A decadent Triple Chocolate Banana Bread that combines three types of chocolate with ripe bananas for the ultimate chocolate lover's quick bread. Each slice delivers intense chocolate flavor from cocoa powder, milk chocolate, and semi-sweet chocolate, while maintaining the perfect moist texture from ripe bananas.
The inspiration for this bread came from wanting to elevate classic banana bread to new chocolate heights. The combination of three different chocolates creates layers of flavor that make this bread truly special.
Essential Ingredients
- Very Ripe Bananas: For moisture
- Cocoa Powder: For rich base
- Milk Chocolate Chips: For sweetness
- Semi-Sweet Chips: For depth
- Sour Cream: Room temperature
- Light Brown Sugar: For richness
- Vegetable Oil: For moisture
- Large Eggs: Room temperature
- All-Purpose Flour: Measured correctly
STEP-BY-STEP PREPARATION
- 1. Initial Setup:
- Preheat oven to 350°F. Spray a 9x5-inch loaf pan with nonstick spray. Have all ingredients at room temperature, especially eggs and sour cream. This ensures proper mixing and even baking.
- 2. Dry Ingredients:
- Whisk together flour, cocoa powder, baking soda, and salt in a large bowl. This even distribution prevents bitter spots from cocoa or baking soda in the final bread.
- 3. Wet Mixture:
- Whisk oil and brown sugar until well combined. Add eggs and sour cream, mixing thoroughly. Fold in mashed bananas until incorporated but still slightly chunky.
- 4. Combining Components:
- Add chocolate chips, wet ingredients, and mashed bananas to the flour mixture. Fold gently just until combined - overmixing will create tough bread.
- 5. Baking Process:
- Pour into the prepared pan, sprinkle extra chips on top. Bake for 60 minutes, then tent with foil and bake an additional 20 minutes. Test the center with a toothpick for doneness.

Perfect chocolate banana bread requires attention to detail. As my grandmother would say, "Patience makes perfect - especially with chocolate."
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Storage and Make-Ahead Success
Store bread at room temperature in an airtight container or plastic bag for up to 3 days. Keep whole rather than sliced to maintain moisture. For longer storage, wrap cooled bread tightly in plastic wrap then foil and freeze for up to 3 months - though best used within 1 month for optimal flavor. Let thaw completely in wrapping to maintain moisture.
Temperature and Serving Variations
Serve at room temperature for perfect texture, or warm slightly to make chocolate chips melty. For dessert, serve with vanilla ice cream or whipped cream. Create an indulgent breakfast by toasting slices lightly and spreading with peanut butter or cream cheese. During holidays, serve on a dessert platter with other quick breads for variety.

Creative Adaptations
Transform this decadent bread by adding espresso powder for mocha flavor, or fold in toasted nuts for crunch. Create a marbled effect by reserving some plain banana bread batter before adding chocolate. For special occasions, drizzle with ganache or add a cream cheese swirl before baking. The triple chocolate base welcomes creativity while maintaining its rich, moist character.
Frequently Asked Questions
- → Why do ingredients need to be room temperature?
- Room temperature ingredients blend better for a smoother, more even texture.
- → Why tent with foil while baking?
- It prevents the top from over-browning during the long bake time.
- → Can I freeze this bread?
- Yes, wrap well and freeze for up to 3 months. Thaw overnight in refrigerator.
- → Can I use different chocolate chips?
- Yes, use any combination of milk, dark, or semi-sweet chocolate chips.
- → How ripe should the bananas be?
- Use very ripe bananas with brown spots for best flavor and moisture.