So actually I wanted to tell you that I recently made a healthy banana chocolate chip oatmeal bread, and I have to say that it turned out so simple and tasty that I thought it would be nice to share it with you.
The good thing about this bread is that it does not have any all‑purpose flour, oil, or refined sugar, and even then the bread comes out soft and full of flavor when you eat it.
You can have it in the morning for breakfast, or you can also enjoy it in the evening with tea as a snack, and in both cases it feels just right.
And the best part is that the ingredients are very basic and they are usually available at home without any difficulty.
Why You’ll Love This Recipe
- Healthy but still delicious: This bread does not use all‑purpose flour, refined sugar, or oil, and even then it comes out soft, moist, and naturally sweet when baked.
- Simple ingredients: All the ingredients are very basic and can be found easily at home, like bananas, oats, and milk, so nothing fancy is needed.
- Perfect for breakfast & snacks: You can eat one slice in the morning for breakfast or you can have it in the evening with tea, and in both cases it feels just right.
- Kid‑friendly: Because of the chocolate chips, children enjoy the bread without any fuss, and you can feel good since the ingredients are clean and healthy.
- Gluten‑free option: If you use gluten‑free oats then the recipe becomes gluten free instantly without any other changes.
- Meal‑prep friendly: You can bake it once and then keep it ready for 2 to 3 days, which makes breakfast simple and tension‑free.
- Guilt‑free treat: It satisfies sweet cravings without adding unnecessary calories or processed ingredients, so you can enjoy it without worry.
Ingredients Needed:
- 3 ripe bananas – for natural sweetness and moisture
- 2 large eggs – to bind the batter and give structure
- ¼ cup maple syrup or honey – for healthy sweetness
- 1 tsp vanilla extract – for a light vanilla flavor
- ½ cup milk (regular or plant-based) – to make the batter smooth
- 2 cups rolled oats – to make oat flour, which keeps the bread healthy and filling
- 2 tsp baking powder – to help the bread rise and give a fluffy texture
- ¼ tsp baking soda – for extra lift and softness
- ¼ tsp salt – to balance the flavors
- 1 tsp cinnamon (optional) – for a warm and comforting flavor
- ¼ cup chocolate chips (optional) – for a chocolaty taste and a kid‑friendly twist
Step-by-Step Instructions:
- Preheat oven: First you should preheat the oven to 350°F (175°C), and while the oven is heating you can also prepare the loaf pan by greasing it or lining it with parchment paper so that the batter does not stick later.
- Mash bananas: Once the pan is ready, you can move on to mashing the ripe bananas with a fork or potato masher until they are smooth, because this will give the bread natural sweetness and moisture.

- Mix wet ingredients: After the bananas are mashed, you should add the eggs, maple syrup or honey, vanilla extract, and milk, and then mix everything together until the mixture looks smooth and combined.

- Make oat flour: When the wet mixture is ready, you can take rolled oats and blend them into fine flour, since this step is important to make sure the bread turns out soft and fluffy.
- Coat chocolate chips: After the flour is prepared, you should toss the chocolate chips in a little oat flour so that they stay evenly spread and do not sink to the bottom while baking.
- Combine dry and wet: Now you can add the oat flour, baking powder, baking soda, salt, and cinnamon into the banana mixture, and then mix everything lightly so that it comes together without being overmixed.

- Fill the pan: Once the batter is ready, you should pour it into the prepared loaf pan and spread it evenly, and if you like you can sprinkle a few more chocolate chips or oats on top.

- Bake the bread: With the pan filled, you can place it in the oven and bake for about 40 to 44 minutes, and you should check with a toothpick in the center to see if it comes out clean.
- Cool and slice: After baking is done, you should let the bread cool in the pan for a while, and then transfer it to a rack to cool completely before slicing so that the texture stays right.

Expert Tips for the Best Results:
- Ripe Bananas: It is very important to use ripe bananas because the more brown spots they have, the more naturally sweet and moist the bread will turn out when baked.
- Overmixing: You should only mix the dry and wet ingredients until they are just combined, because if you mix too much then the bread can become a little dense and heavy instead of soft.
- Flour Consistency: The oats should be ground into a very fine powder so that they look smooth, because if the flour is left a little coarse then the bread can turn out crumbly and not hold together well.
- Chocolate Chip Trick: You should remember to coat the chocolate chips in a little oat flour before adding them, because this helps to stop the chips from sinking to the bottom while baking.
- Oven Temperature Check: Every oven works a little differently, so if your oven heats up quickly then it is better to start checking the bread around 38 to 39 minutes instead of waiting longer.
Tasty Variations to Try:
- Nutty Banana Bread: If you like some crunch in your bread then you can add walnuts, almonds, or pecans into the batter, and even without chocolate the bread will still taste very good.
- Dairy-Free Version: Instead of regular milk you can use oat milk, almond milk, or soy milk, and the taste will remain almost the same without any big difference.
- No-Chocolate Version: If you want to avoid chocolate then you can skip the chips and add extra cinnamon, because this gives the bread a warm and comforting flavor that feels nice.
- Mixed Seeds Version: You can add chia seeds, flax seeds, or pumpkin seeds into the batter, and this makes the bread more filling and also healthier to eat.
- Banana Cocoa Loaf: If you want a more chocolaty version then you can add one tablespoon of cocoa powder into the batter, and the combination of banana and chocolate always tastes very good together.
Serving Suggestions:
- Breakfast Slice: This bread works perfectly for breakfast because you can take one or two slices and have them with hot tea or coffee, and in this way you get a light but filling start to your day. If you want to make it feel a little extra, then you can also spread some peanut butter on top, which makes it more satisfying.
- Evening Snack: In the evening when you feel like eating something slightly sweet, then one slice is usually enough, and since it is made with healthy ingredients you can enjoy it without feeling guilty. If you warm it a little before eating, then it tastes even better and feels more comforting.
- Kids’ Lunchbox: This bread is also very suitable for children’s lunchboxes because the chocolate chips make it naturally appealing to them, and at the same time you do not have to worry since the ingredients are clean and healthy. It is simple to pack and children usually enjoy it without any fuss.
- Dessert Treat: If you are in the mood for dessert, then you can take one slice and drizzle a little honey or melted dark chocolate on top, and this makes it taste light but also satisfying at the same time. It feels like a simple treat that does not require much effort.
- Yogurt + Fruit Combo: You can take a bowl of yogurt and mix in one or two small cubes of banana bread, and then add some fresh fruits on top, and this quickly becomes a wholesome and tasty snack. It is especially useful when you want to prepare something fast but still filling.
Storage & Reheating:
1. Storage Tips:
- Room Temperature: If you plan to finish the bread within 2 to 3 days, then you can keep it in an airtight container at room temperature, and in this way the bread stays soft and fresh and the taste also remains just right.
- Refrigeration: If you want to store the bread for a little longer time, then you should keep it in the fridge, and it will stay fresh easily for up to 1 week, but the container must be airtight so that the bread does not become dry.
- Freezing: You can slice the bread and wrap each slice individually before freezing, and in this way the bread stays good for 2 to 3 months, and whenever you feel like eating you can take out one slice, warm it, and enjoy it directly.
- Moisture Protection: If you want the bread to stay soft, then you can place a small sheet of parchment paper inside the storage container, because this helps to soak up extra moisture and keeps the bread in better condition.
- Whole Loaf Storage: If you do not want to slice the bread, then it is better to wrap the whole loaf and store it like that, because this helps the inside softness to stay for a longer time.
2. Reheating Tips:
- Microwave Reheat: You can place one slice in the microwave and heat it for about 10 to 15 seconds, and this makes the bread feel soft and fresh again, but you should not heat it too much because then it can become dry.
- Oven Reheat: If you prefer a slightly crispy outside, then you can warm the slice in the oven at 150 to 160°C for about 5 to 7 minutes, and this makes it taste almost like freshly baked bread.
- Toaster Option: You can also put the slice in a toaster and toast it lightly, and when you do this the chocolate chips on top melt a little, which makes the bread taste very nice.
- Thawing Frozen Bread: If you have frozen slices, then you should keep them at room temperature for 20 to 30 minutes, and after that you can warm them in the microwave or toaster before eating.
- Extra Moist Reheat Tip: If the slice feels a little dry, then while reheating you can place a cup of water inside the microwave, and this helps the bread stay soft.
FAQ:
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Can I use normal wheat flour instead of rolled oats?
Yes, you can use it, but the taste and texture will be a little different, and since oat flour makes the bread soft and also keeps it healthy, oats are usually the better choice.
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If I skip chocolate chips, will the bread taste bland?
No, it will not taste bland, because the bananas and cinnamon already give the bread enough flavor, and the chocolate chips are only like an extra treat on top.
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Can I make this recipe without eggs?
Yes, you can replace the eggs with 2 flax eggs, which means 2 tablespoons of flaxseed powder mixed with 6 tablespoons of water, and although the texture may turn out a little different, the bread still comes out good.
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Is it necessary to make oat flour or can I add oats directly?
If you add oats directly then the bread will become dense and chewy, and the better result only comes when the oats are ground into fine flour like powder.
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The bread becomes hard in the fridge, what should I do?
This is normal, and you can simply heat one slice in the microwave for about 10 to 15 seconds, and then it becomes soft and fresh again.
Healthy Banana Bread
Description
This healthy banana chocolate chip oatmeal bread is a loaf that comes out soft and moist, and it has a natural sweetness because it is made with ripe bananas and oat flour. It does not use refined sugar or oil, and still the bread tastes good and feels wholesome when you eat it. You can have it for breakfast, or you can enjoy it as a snack, or you can even treat yourself without guilt, because the ingredients are simple and the steps are easy, and every slice gives a flavor that feels complete and satisfying.
Ingredients
Instructions
- Preheat the oven to 350°F (175°C) and prepare a loaf pan by greasing or lining it.
- Mash the ripe bananas until smooth.
- Add eggs, maple syrup or honey, vanilla, and milk, then mix until combined.
- Blend rolled oats into fine flour.
- Toss chocolate chips in a little oat flour.
- Add oat flour, baking powder, baking soda, salt, and cinnamon to the banana mixture and mix lightly.
- Pour the batter into the prepared pan and sprinkle extra chips or oats if desired.
- Bake for 40-44 minutes and check with a toothpick to see if it comes out clean.
- Let the bread cool in the pan, then transfer to a rack to cool fully before slicing.
Nutrition Facts
Servings 10
Serving Size 1 slice
- Amount Per Serving
- Calories 170kcal
- % Daily Value *
- Total Fat 4.5g7%
- Saturated Fat 1.5g8%
- Cholesterol 35mg12%
- Sodium 150mg7%
- Potassium 260mg8%
- Total Carbohydrate 30g10%
- Dietary Fiber 3g12%
- Sugars 9g
- Protein 5g10%
- Vitamin A 70 IU
- Vitamin C 3 mg
- Calcium 90 mg
- Iron 1.3 mg
- Vitamin D 6 IU
* Percent Daily Values are based on a 2,000‑calorie diet, and your daily needs may be higher or lower depending on your lifestyle. Nutrition information is shared only as a general estimate and may not always be fully accurate. If you follow a special diet or have specific health concerns, it’s best to check with a registered dietitian for personalized guidance.

