
Cinnamon Cocoa Banana Bread brings together the unbeatable comfort of banana bread with swirls of cocoa and a kick of cinnamon. My family asked for it so often it became our weekend baking tradition, especially on chilly mornings. This recipe delivers moist, flavorful slices that work equally well for breakfast or afternoon snacks.
This loaf was my answer to a surplus of ripe bananas and it instantly became a favorite. My kids call it cake for breakfast and it never lasts more than a day at our house.
Ingredients
- Bananas: Choose very ripe bananas with plenty of brown spots for the best sweetness and depth of flavor
- Eggs: Provide structure and richness, go for large fresh eggs if possible
- Vegetable oil: Keeps the bread moist for days and blends easily
- Brown sugar: Adds caramel notes and extra moisture, use soft packed brown sugar
- Milk: Makes the batter silky, whole milk gives richness but any milk works
- Vanilla extract: Enhances all the flavors, pure vanilla goes a long way
- All-purpose flour: Gives the loaf its structure, try to use fresh flour for good rise
- Unsweetened cocoa powder: Creates deep cocoa swirls, Dutch-processed is lovely if you have it
- Ground cinnamon: Offers warmth and balance, choose fragrant cinnamon for best results
- Baking soda and baking powder: These rise agents ensure a fluffy texture, check that they are fresh
- Salt: Brings out nuances in all the ingredients, fine salt distributes best
- Chocolate chips: Add melted bits throughout or choose chopped walnuts for crunch
Instructions
- Prepare the Pan:
- Grease a standard 9x5 inch loaf pan well or line with parchment paper to ensure the bread releases easily
- Blend Wet Ingredients:
- Mash bananas in a large mixing bowl until smooth. Whisk in the eggs followed by the oil, brown sugar, milk, and vanilla. Keep whisking until everything is nicely homogenous
- Mix Dry Ingredients:
- In a separate bowl sift together flour, cocoa powder, cinnamon, baking soda, baking powder, and salt. Make sure all clumps are gone so everything combines smoothly
- Combine Wet and Dry:
- Slowly add the dry mixture into the bowl of wet ingredients. Use a spatula for gentle folding and stop as soon as no streaks of flour remain. Overmixing strips the bread of its tender crumb
- Add Mix-Ins:
- Sprinkle chocolate chips or walnuts into the batter. Gently fold one or two times until evenly distributed
- Fill the Pan:
- Pour the batter into the prepared loaf pan. Give it a gentle tap on the counter to remove air bubbles and smooth the top with a spatula
- Bake:
- Place the pan in the center of the oven. Bake for fifty to sixty minutes. At fifty minutes start testing with a toothpick. Look for a few moist crumbs but no batter sticking. Let aroma guide you toward doneness
- Cool and Serve:
- Let the bread rest in pan for ten minutes. This helps lock in moisture before transferring to a wire rack where it cools completely. Slice when completely cool for clean edges

Versatile for add-ins—make it nutty or extra chocolatey. The cocoa and cinnamon together create a comfort flavor you will crave. I always sneak the first slice warm and my youngest likes to help mix in the chocolate chips, making it a real family event.
Storage Tips
Wrap cooled loaf tightly in plastic or keep in an airtight container at room temperature for up to three days. If you notice any dryness, pop a slice in the microwave for ten seconds to revive it.
Ingredient Substitutions
Use melted butter instead of vegetable oil for a different richness. Substitute almond milk for dairy if needed. Swap chocolate chips for white chocolate chunks or use pecans for a new texture.
Serving Suggestions
Serve thick slices plain or top with a slather of butter. For a special treat, toast it lightly and sprinkle with a touch more cinnamon.
Cultural Context
Banana bread was born from home cooks wanting to use up overripe bananas. The cocoa and cinnamon add a twist reminiscent of classic American desserts with a hint of seasonal warmth.
Seasonal Adaptations
Fresh blueberries can be folded in during the summer. Try apple pie spice in place of cinnamon for fall. Mini loaves make sweet holiday gifts.
Success Stories
This recipe is a staple in our brunch rotations. Friends rave about the deep cocoa flavor and moist crumb. Even picky eaters go back for seconds. Everyone always asks for the recipe.
Freezer Meal Conversion
Slice the cooled loaf and wrap individual pieces in wax paper. Store in a zip bag in the freezer. Pull out a slice anytime and microwave for thirty seconds for near fresh flavor.

Let the bread cool completely before slicing to avoid a gummy texture. Enjoy a warm slice with coffee or tea for a simple treat.
Recipe Questions & Answers
- → How ripe should the bananas be for this loaf?
Use bananas with brown spots and very soft flesh; this brings sweetness and moisture to the final bread.
- → Can I substitute another oil for vegetable oil?
Yes, you may use other neutral oils such as canola, sunflower, or even melted coconut oil depending on your preference.
- → Is it possible to make this dairy-free?
Absolutely! Substitute plant-based milk and dairy-free chocolate chips to make the bread dairy-free.
- → How can I increase the cinnamon flavor?
For more pronounced cinnamon notes, sprinkle cinnamon sugar on top before baking or add extra cinnamon to the batter.
- → What’s the best way to store the bread?
Wrap the loaf in plastic or foil and keep at room temperature for up to three days; freeze for longer storage.
- → Can I use nuts or other add-ins?
Yes, walnuts, pecans, or chocolate chips add texture. Mix them in gently to avoid overworking the batter.