Chocolate Banana Loaf

Featured in Delicious Homemade Bread and Muffin Recipes.

This chocolate-filled banana loaf has a soft texture, thanks to mashed bananas and cocoa, with two types of chocolate chips packed in. On top, toasted coconut mixed with caramel creates a luxurious treat perfect for starting your day or an afternoon snack. While it needs a bit of effort, the result is a beautifully flavorful loaf combining banana, chocolate, and coconut.
A man wearing a white shirt and suspenders holding a piece of paper.
Updated on Mon, 31 Mar 2025 18:39:03 GMT
Sweet Chocolate Banana Loaf with Caramel Coconut Topping Pin it
Sweet Chocolate Banana Loaf with Caramel Coconut Topping | chefmelt.com

Take regular banana bread to the next level with this mouthwatering version that reminds you of your favorite Girl Scout cookie. This bread combines three kinds of chocolate with a crunchy coconut and salted caramel top layer. It's like having a Samoa cookie in bread form! Since making this, everyone asks me to bring it to parties and family get-togethers.

I made this for a Sunday brunch last week and before my friends had even finished eating, three of them were already asking how to make it. Nobody could resist grabbing another piece after tasting that magical mix of chocolate and toasty coconut.

Key Components

  • Ripe Bananas: Pick three with lots of brown spots for extra sweetness
  • Three Chocolates: You'll need cocoa powder, milk chocolate, and semi-sweet chips
  • Eggs at Room Temp: Makes a huge difference in how they blend in
  • Sour Cream: The secret to keeping everything super moist and soft
  • Sweetened Coconut: We'll toast this for the amazing caramel topping
  • Good Caramel Sauce: Creates that irresistible sticky glaze on top

Step-by-Step Baking Guide

Chocolate Foundation:
Mix your flour, cocoa powder, baking soda, and salt in a bowl. This sets up your chocolate base right from the start. Make sure you break up any little clumps of cocoa powder as you go.
Mixing Wet Stuff:
Stir your oil and brown sugar until they're fully mixed. Then add your room temp eggs and sour cream, stirring until everything looks smooth. Using ingredients that aren't cold helps everything mix together much better.
Adding Bananas:
Gently fold in your mashed bananas and both kinds of chocolate chips. Using two different chocolates gives you a better flavor, while the bananas keep everything nice and moist.
Making the Topping:
Put your coconut in a pan over medium-low heat, moving it around often until it turns golden brown. Don't walk away - this step turns plain coconut into something nutty and caramel-like that makes this bread stand out.
Toasted Coconut Chocolate Banana Bread Recipe Pin it
Toasted Coconut Chocolate Banana Bread Recipe | chefmelt.com

I came up with this bread when I was enjoying some Samoa cookies and banana bread at the same time. I thought they might taste great together, and wow, they really do!

Getting The Heat Right

You've got to watch your oven temperature to make this bread turn out. Bake at 350°F for about an hour, then cover it loosely with foil for another 20 minutes. This way the inside gets fully cooked while the top doesn't get too dark.

Homemade Toasted Coconut Chocolate Banana Bread Recipe Pin it
Homemade Toasted Coconut Chocolate Banana Bread Recipe | chefmelt.com

Keeping It Fresh

You can keep this bread on your counter for about 5 days if you haven't added the topping yet. If you want to save it longer, freeze it without the topping for up to three months. When you're ready to eat it, let it thaw completely, then make a fresh batch of coconut caramel topping.

Freezing Tips

To freeze your bread, make sure it's totally cool first. Wrap it in parchment paper, then cover with foil. Put it in a freezer bag and squeeze out all the air. Write the date on it and pop it in the freezer for up to three months. Always wait until after it's thawed to add the topping.

Best Toasted Coconut Chocolate Banana Bread Recipe Pin it
Best Toasted Coconut Chocolate Banana Bread Recipe | chefmelt.com

Wrapping Up

This Toasted Coconut Chocolate Banana Bread brings together the cozy feeling of homemade bread with the excitement of a fancy dessert. Every bite gives you that familiar chocolate banana flavor but with an awesome candy-like topping that makes it special. Whether you love Samoa cookies or just enjoy trying new flavor combos, this bread shows that sometimes the best treats come from random ideas.

Frequently Asked Questions

→ Can I mix up chocolate types?
Absolutely, pick any combo of chocolate chips as long as it adds up to 1 cup.
→ Why cover with foil while baking?
It helps keep the top from burning while the inside finishes baking.
→ Is coconut topping essential?
Not at all, you can skip it or switch it up with something else.
→ Best way to store this loaf?
Pop it into an airtight container and keep at room temp for three days.
→ Can I freeze it easily?
Yes, but don’t freeze with toppings. Add those after thawing; it lasts up to 3 months.

Chocolate Banana Loaf

Moist banana loaf packed with chocolates, layered with caramel coconut glaze for a sweet, indulgent touch.

Prep Time
20 Minutes
Cook Time
80 Minutes
Total Time
100 Minutes

Category: Breads and Muffins

Difficulty: Intermediate

Cuisine: American

Yield: 12 Servings

Dietary: Vegetarian

Ingredients

→ Bread Ingredients

01 2 large eggs, brought to room temperature
02 ½ teaspoon kosher salt
03 1¼ teaspoons baking soda
04 ½ cup (84g) semi-sweet chocolate chips
05 ½ cup (59g) cocoa powder
06 2 cups (250g) plain flour
07 ⅓ cup (77g) room temp sour cream
08 ½ cup (84g) milk chocolate chips
09 1 cup (200g) packed light brown sugar
10 3 mashed ripe bananas, roughly 1¼ cups
11 ⅓ cup (73g) vegetable oil

→ Topping Ingredients

12 1 cup (93g) sweetened shredded coconut
13 ¾ cup (246g) caramel syrup for sundaes
14 ¼ teaspoon kosher salt

Instructions

Step 01

Set oven to 350°F. Grease your 9x5-inch loaf pan with nonstick spray.

Step 02

In a big mixing bowl, stir salt, flour, cocoa powder, and baking soda together.

Step 03

In another bowl, combine the oil and brown sugar. Add room temp eggs and sour cream and whisk until smooth.

Step 04

Stir the flour mix with the mashed bananas, oil mixture, and chocolate chips. Be careful not to overmix!

Step 05

Pour the batter into the prepared pan. Bake for 60 mins, then cover with foil and bake for another 20 mins. Toothpick should come out with just a few soft crumbs.

Step 06

Toast the coconut over medium-low heat in a skillet for about 4–6 mins. Stir often! Combine with the caramel syrup and salt.

Step 07

Once your bread cools completely, spread the caramel coconut topping on top before serving.

Notes

  1. Loaded with chocolate from cocoa, milk chips, and semi-sweet chips
  2. Enjoy at room temp or fresh and warm
  3. Keep an eye on the coconut when toasting so it doesn’t burn

Tools You'll Need

  • Loaf pan (9x5-inch)
  • Bowls for mixing
  • Pan for toasting coconut
  • Foil to cover bread

Allergy Information

Please check ingredients for potential allergens and consult a health professional if in doubt.
  • Made with dairy products
  • Includes eggs
  • Contains coconut

Nutrition Facts (Per Serving)

It is important to consider this information as approximate and not to use it as definitive health advice.
  • Calories: 415
  • Total Fat: ~
  • Total Carbohydrate: ~
  • Protein: ~