Meet Cream Cheese Banana Bread—a rich, indulgent twist on the classic that will have you hooked from the very first bite. This ultra-moist, tender banana bread is swirled with a luscious, tangy cream cheese filling, creating the perfect balance of sweet and creamy. Think banana bread cake with cream cheese frosting, but baked right in. One bite, and you’ll be obsessed!
Why This Cream Cheese Banana Bread Is a Must-Bake
Here’s the scoop:
- Cream Cheese Swirl: That tangy, creamy filling takes this bread to a whole new level.
- Super Moist: The bananas and cream cheese work together to create an incredibly moist and tender crumb.
- Easy to Make: No complicated steps, just simple baking bliss.
- Versatile: Perfect for breakfast, brunch, or a satisfying dessert.
How to Bake Your Dreamy Cream Cheese Banana Bread
Let’s get baking!
Yields: 1 loaf
Prep time: 20 minutes
Bake time: 50-60 minutes
Ingredients:
- For the Banana Bread:
- 3 ripe bananas, mashed
- 3/4 cup granulated sugar
- 1/2 cup (1 stick) unsalted butter, softened
- 2 large eggs
- 1 teaspoon vanilla extract
- 2 cups all-purpose flour
- 1 teaspoon baking soda
- 1/2 teaspoon salt
- Optional: 1 cup chopped walnuts or pecans
- For the Cream Cheese Filling:
- 8 ounces cream cheese, softened
- 1/4 cup granulated sugar
- 1 large egg
- 1/2 teaspoon vanilla extract

Instructions:
- Prep Your Oven and Pan: Preheat oven to 350°F (175°C). Grease and flour a 9×5 inch loaf pan.
- Make the Cream Cheese Filling: In a medium bowl, beat the softened cream cheese and sugar until smooth. Beat in the egg and vanilla extract. Set aside.
- Cream Butter and Sugar: In a large bowl, cream together the butter and sugar until light and fluffy.
- Add Eggs and Vanilla: Beat in the eggs one at a time, then stir in the vanilla extract.
- Mix in Bananas: Add the mashed bananas, mixing until well combined.
- Combine Dry Ingredients: In a separate bowl, whisk together the flour, baking soda, and salt.
- Combine Wet and Dry: Gradually add the dry ingredients to the wet ingredients, mixing until just combined. Be careful not to overmix!
- Assemble and Bake: Pour half of the banana bread batter into the prepared loaf pan. Spread the cream cheese filling evenly over the batter. Gently pour the remaining banana bread batter over the cream cheese filling.
- Swirl (Optional): Use a knife to gently swirl the cream cheese filling into the banana bread batter.
- Bake: Bake for 50-60 minutes, or until a wooden skewer inserted into the center comes out clean.
- Cool: Let the bread cool in the pan for 10 minutes before transferring it to a wire rack to cool completely.
Variant Recipes

- Cream Cheese Banana Nut Bread: Add 1 cup chopped walnuts or pecans to the banana bread batter.
- Chocolate Chip Cream Cheese Banana Bread: Stir 1 cup of chocolate chips into the banana bread batter.
- Strawberry Cream Cheese Banana Bread: Add a layer of sliced strawberries on top of the cream cheese filling before adding the remaining batter.
- Banana Blueberry Cream Cheese Bread: Fold 1 cup of blueberries into the banana bread batter.
- Pumpkin Banana Bread Cream Cheese: Add 1 cup of pumpkin puree to the banana bread batter and 1 teaspoon of pumpkin pie spice.
- Keto Cream Cheese Banana Bread: Use almond flour and a keto-friendly sweetener in both the bread and the filling.
- Banana Bread Bars with Cream Cheese: Bake the batter in a 9×13 inch pan for a bar-style treat.
- Banana Bread Roll with Cream Cheese: After baking, slice the bread and spread with a cream cheese frosting.
What to Serve with Your Cream Cheese Banana Bread

This bread is fantastic on its own, but here are some delightful pairings:
Coffee and Tea
- Hot Coffee: A classic pairing, perfect for breakfast or a mid-morning pick-me-up.
- Iced Coffee: Refreshing on a warm day, especially with a slice of cold banana bread.
- Earl Grey Tea: The subtle bergamot notes complement the richness of the bread.
- Chamomile Tea: A soothing choice for a relaxing evening snack.
Other Pairings
- Butter: A simple pat of butter enhances the bread’s flavor.
- Cream Cheese: A smear of extra cream cheese adds a tangy creaminess.
- Icing: Drizzle a simple powdered sugar icing over the cooled bread.
- Fruit Salad: A light and refreshing side that balances the richness of the bread.
Tips & Tricks
- Use very ripe bananas for the best flavor and sweetness. The more brown spots, the better!
- Don’t overmix the batter; mix until just combined. Overmixing can result in a tough loaf.
- Let the bread cool completely before slicing for cleaner slices.
- For a crunchy banana vread, sprinkle a streusel topping (flour, butter, sugar) over the batter before baking.
Recipe FAQ’s
Q: Can I freeze cream cheese banana bread?
A: Absolutely! Wrap it tightly in plastic wrap and then in foil, and it will keep in the freezer for up to 3 months.
Q: Can I make this recipe gluten-free?
A: Yes, substitute a gluten-free all-purpose flour blend for the regular flour.
Q: Can I reduce the amount of sugar?
A: You can reduce the sugar slightly, but keep in mind that it will affect the texture and sweetness of the bread.
This Cream Cheese Banana Bread is a truly special treat that’s perfect for any occasion. Enjoy!