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Home > Recipes > Breads and Quick Breads

Cream Cheese Banana Bread

by Gabriela - Updated June 6, 2025 | Leave a comment
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Delicious cream cheese banana bread that tastes great right next to a cup of coffee. Easy to make, this banana bread will win your heart.

Sliced Banana Bread With Cream Cheese.
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  • The Recipe That Hits the Spot
  • Key ingredients
  • How To Make Cream Cheese Banana Bread
  • FAQs
  • Recipe Variations
  • More recipes to love
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The Recipe That Hits the Spot

This is an awesome recipe that any banana bread lover will fall in love with. Wait, you said cream cheese-filled banana bread. Does cream cheese go with banana bread?

OMG, yes, guys, they are, in fact, pretty good friends. When you make this banana bread and fill it with a cream cheese mixture, you are ready for a divine experience. My husband tried it last night after I made it, and he could not stop saying: "This is the best banana bread I ever had in my life!". It is indeed incredibly moist and delicious.

Banana Bread With Cream cheese loaf on table.

If you don't care for the cream cheese, I have another Banana Bread recipe on my blog, or you can make this recipe and skip the cream cheese part. I don't know why you would do that, but who am I to judge?

This recipe has a layer of banana batter on the bottom, a mixture of cream cheese, sugar, and egg in the middle, and another layer of banana batter on top. Everything is baked to perfection, and the result is a wonderful coffee bread that everyone will love.

Key ingredients

Batter:

  • Sour cream: Wait, what? Sour cream in the banana bread? Yes, stay with me. There are a lot of recipes out there that use sour cream in coffee cakes and bread. Sour cream replaces the oil and butter, as it is one of the fattiest dairy products.
  • Granulated Sugar: If you prefer a darker version of this bread, use half granulated and half brown sugar. The brown sugar adds another layer of flavor.
  • Large Eggs: I use large eggs in all my baking, as they are the most popular and easy to find in my area.
  • Salt: Adding a pinch of salt to any batter enhances and balances the final product's taste. Please don't skip it!
  • Baking Soda: helps the bread to rise.
  • All-purpose flour: I made this recipe with both all-purpose and whole wheat flour. You can use whole wheat flour for the entire recipe or combine it with all-purpose flour 50-50. Play with that and see what you like the best.
  • Overripe bananas: Any respectable banana bread has overripe bananas, as I truly believe that it was invented for these bananas sitting on the kitchen counter and not being loved.
  • Vanilla: I used vanilla extract, as it is easy to find. Try to use good vanilla for a good flavor. I would rather skip it entirely than use a fake/imitation vanilla. Good food is made with good ingredients!

Optional: Nuts, chocolate chips, cinnamon, etc.

Cream Cheese Filling:

  • Cream Cheese
  • Granulated Sugar
  • All-Purpose Flour
  • Eggs- large size
Banana Bread With Cream Cheese sliced and served on a white plate.

How To Make Cream Cheese Banana Bread

This recipe is easy to put together, so please do not think you cannot do it. Also, do not get intimidated by the cream cheese filling. It is easier to make than you can think it is.

The first step is to preheat the oven. As I have always told you, getting the oven ready for baking is the best thing you can do before starting anything.

Step1. Cream cheese filling first- I am saying this because the banana bread batter contains baking soda and sour cream, among other ingredients. The baking soda and sour cream get friendly really fast, so you need to have everything prepared to place the batter in the oven as soon as possible. Otherwise, the bread will not rise properly.

Beat the cream cheese with sugar until light and fluffy, add the egg, mix again to create a smooth mixture. Incorporate the flour and set the bowl aside for later use.

Step 2. Banana bread batter- When you mix the ingredients, follow the order listed. How easy is that? After mixing them, set the bowl aside and take care of the baking pan.

Note: Spoon and level the flour into your measuring cup instead of scooping it out of the container. If you scoop your flour out of the container, you can end up with way too much flour in your recipe and a super dense loaf of banana bread.

Step 3. Bake- Butter and flour a 9x5 inches loaf baking pan. Pour a half mixture of the banana bread batter into the pan. Add the cream cheese mixture over the batter and pour the rest of the banana bread batter over.

Bake at 350F for about 60 minutes or until a toothpick inserted in the middle will come out clean.

TIP: When baking in a glass pan, reduce the oven temperature by 25F.

Allow the banana bread to cool in the pan for a few minutes, then remove from the pan and transfer to a cooling rack to cool completely. Banana bread with cream cheese is a perfect breakfast on the go and a perfect snack, especially with a cup of coffee.

Make a double batch and freeze one loaf for later use. I do this sometimes so I can share it with my daughter when she comes to visit. Also, the banana bread made this way can stay at room temperature for no more than 3-4 days.

FAQs

Can I slice this bread as soon as it comes out of the oven?

When the banana bread is out of the oven, let it cool completely before you slice it. The cream cheese needs time to set.

Can I make this bread with whole wheat flour?

Yes, you can. However, the bread will come out darker in color and more compact. I would add a ¼ teaspoon of baking powder to help the batter rise a little bit more.

Do I need to refrigerate this Banana Cream Cheese Bread?

No, you do not need to refrigerate the bread, as the cream cheese inside is already cooked. Please keep it in a cool, dry place. It should be good for up to 4 days. If you live in a humid environment, then I would refrigerate it.

Can I freeze this bread?

Yes, this bread freezes really well. As soon as it has cooled completely, put it in the freezer. It will be good for up to three months.

Can I make this bread into muffins?

Yes, you can do that, too. This would be really fun. I would bake them at the same temperature but remove them after 15-17 minutes.

Banana Bread With Cream Cheese sliced on a cutting board.

Recipe Variations

  • Stir in some chopped walnuts or chocolate chips of your choice into the banana bread batter.
  • Add streusel to the top of the bread before you bake it.
  • Add raisins or cranberries to the banana bread batter OR to the cream cheese instead.
Cream Cheese Banana Bread Pinterest.

More recipes to love

  • Cocoa Walnuts Banana Bread
  • Best Banana Coffee Cake
  • Banana Walnuts Chocolate Chips Soft Cookies
  • Cranberry Orange Banana Bread
  • Easy Banana Nut Muffins
  • Easy Banana Bread With Sour Cream
Thank you note for the readers.

📖 Recipe

Cream Cheese Banana Bread slices square photo.

Cream Cheese Banana Bread

Delicious cream cheese banana bread that tastes great right next to a cup of coffee. Easy to make, this banana bread will win your heart.
4.67 from 3 votes
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Course: Sweet Breads, Muffins and Scones
Cuisine: American
Prep Time: 20 minutes minutes
Cook Time: 50 minutes minutes
Total Time: 1 hour hour 10 minutes minutes
Servings: 16 servings
Calories: 180kcal
Author: Gabriela

Equipment

  • KitchenAid 5-Speed Ultra Power Hand Mixer
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Ingredients

Cream Cheese Filling:

  • 4 ounces cream cheese
  • ¼ cup granulated sugar
  • 3 teaspoons all purpose flour
  • 1 large egg

Banana Bread Batter:

  • 1 cup sour cream
  • 1 cup granulated sugar
  • 2 large eggs
  • ¼ teaspoon salt
  • 1 teaspoon baking soda
  • 2 cups all purpose flour
  • 2 over ripe bananas mashed
  • 1 teaspoon vanilla extract
US Customary - Metric

Instructions

  • Preheat the oven to 350F.

Cream cheese filling:

  • Beat the cream cheese with sugar, add the egg and the flour and mix everything well. Set aside.

Banana bread batter:

  • In a medium bowl mix the ingredients in the order they are listed.
  • Set aside.
  • Grab a loaf baking pan and pour half mixture of the banana bread batter in the pan.
  • Add the cream cheese, then pour the rest of the banana bread batter over.
  • Bake at 350F for 60 minutes or until a toothpick inserted in the middle will come out clean.

Notes

Storage: Refrigerate the bread only if you live in a humid environment, otherwise the bread should be kept in a cool, dry place for up to 4 days. You can freeze the bread for up to 3 months.
Muffins: Bake for 15-17 minutes.
Banana Bread Recipe variations:
1. Stir in some chopped walnuts or chocolate chips of your choice into the banana bread batter.
2. Add streusel to the top of the bread before you bake it.
3. Add raisins or cranberries to the banana bread batter OR to the cream cheese.

Nutrition

Serving: 1slice | Calories: 180kcal | Carbohydrates: 32g | Protein: 4g | Fat: 4g | Saturated Fat: 2g | Polyunsaturated Fat: 0.4g | Monounsaturated Fat: 1g | Trans Fat: 0.003g | Cholesterol: 40mg | Sodium: 171mg | Potassium: 120mg | Fiber: 1g | Sugar: 18g | Vitamin A: 148IU | Vitamin C: 1mg | Calcium: 47mg | Iron: 1mg
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Gabriela the creator of The Bossy Kitchen

Hi! I am Gabriela, and this is my virtual home. I am a trained Pastry Chef and a self-taught cook. I inherited the cooking genes from my maternal grandma and the love for baking from my paternal grandma.

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