Why You’ll Love This Recipe
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It’s a great way to use up overripe bananas, turning them into a delightful treat.
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The combination of oat flour and cottage cheese results in a moist and tender crumb.
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Rich chocolate chunks add a decadent touch to every bite.
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It’s gluten-free, making it suitable for those with dietary restrictions.
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The recipe is straightforward and easy to follow, perfect for both novice and experienced bakers.
Ingredients
(Here’s a tip: Check out the full list of ingredients and measurements in the recipe card below.)
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2 overripe bananas
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1/3 cup cottage cheese (or Greek yogurt)
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1/2 cup cane sugar
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1/3 cup light olive oil (or avocado oil)
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2 teaspoons vanilla extract
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2 teaspoons apple cider vinegar
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2 large eggs
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2 1/4 cups oat flour
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2 teaspoons baking powder
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1 teaspoon cinnamon
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1/2 teaspoon salt
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2/3 cup chocolate chunks
Directions
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Preheat the oven to 350°F (175°C). Grease a 9×5-inch loaf pan or line it with parchment paper.
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In a blender or food processor, combine the bananas, cottage cheese, cane sugar, olive oil, vanilla extract, and apple cider vinegar. Blend until smooth.
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Pour the mixture into a large mixing bowl. Add the eggs and whisk until well combined.
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In a separate bowl, whisk together the oat flour, baking powder, cinnamon, and salt.
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Gradually add the dry ingredients to the wet mixture, stirring until just combined.
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Fold in the chocolate chunks.
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Pour the batter into the prepared loaf pan, smoothing the top.
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Bake for 45-55 minutes, or until a toothpick inserted into the center comes out clean.
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Allow the bread to cool in the pan for 10-15 minutes, then transfer it to a wire rack to cool completely.
Servings and Timing
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Servings: 12 slices
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Prep Time: 15 minutes
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Cook Time: 45-55 minutes
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Total Time: 1 hour to 1 hour 10 minutes
Variations
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Dairy-Free: Substitute cottage cheese with a dairy-free yogurt or mashed silken tofu.
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Vegan: Replace eggs with flax eggs (1 tablespoon flaxseed meal + 3 tablespoons water per egg).
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Nutty Twist: Add chopped walnuts or pecans for added crunch.
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Spiced: Incorporate nutmeg or allspice for a warm, spiced flavor.
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Fruit-Infused: Mix in dried cranberries or raisins for a fruity touch.
Storage/Reheating
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Storage: Store the cooled banana bread in an airtight container at room temperature for up to 3 days. For longer storage, refrigerate for up to a week.
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Freezing: Wrap slices individually in plastic wrap and place them in a freezer-safe bag. Freeze for up to 3 months.
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Reheating: To enjoy a warm slice, microwave for 15-20 seconds or toast lightly.
FAQs
Can I use regular flour instead of oat flour?
Yes, all-purpose flour can be used as a substitute for oat flour in this recipe. However, the texture may differ slightly, and it will no longer be gluten-free.
How do I make oat flour at home?
To make oat flour, blend rolled oats in a food processor or blender until they reach a fine, flour-like consistency.
Can I use frozen bananas?
Absolutely. Thaw the frozen bananas completely and drain any excess liquid before using them in the recipe.
What can I use instead of cane sugar?
You can substitute cane sugar with coconut sugar, maple syrup, or honey. Keep in mind that liquid sweeteners may slightly alter the batter’s consistency.
Can I make this recipe into muffins?
Yes, pour the batter into a muffin tin lined with paper liners. Bake at 350°F (175°C) for 20-25 minutes, or until a toothpick inserted into the center comes out clean.
Conclusion
This chocolate chunk banana bread with oat flour is a delightful and wholesome treat that I love to bake. It’s simple to make, packed with flavor, and versatile enough to accommodate various dietary preferences. Whether I’m enjoying a slice for breakfast or as an afternoon snack, it’s always a hit. Give it a try, and it might just become a staple in your baking repertoire too.

Chocolate Chunk Banana Bread with Oat Flour
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- Author: Mia
- Total Time: 1 hour to 1 hour 10 minutes
- Yield: 12 slices
- Diet: Gluten Free
Description
This healthy banana bread is loaded with oats, rich chocolate, and naturally sweet banana flavor. Perfect for breakfast or a satisfying snack.
Ingredients
2 overripe bananas
1/3 cup cottage cheese (or Greek yogurt)
1/2 cup cane sugar
1/3 cup light olive oil (or avocado oil)
2 teaspoons vanilla extract
2 teaspoons apple cider vinegar
2 large eggs
2 1/4 cups oat flour
2 teaspoons baking powder
1 teaspoon cinnamon
1/2 teaspoon salt
2/3 cup chocolate chunks
Instructions
Preheat the oven to 350°F (175°C). Grease a 9×5-inch loaf pan or line with parchment paper.
Blend wet ingredients: In a blender, combine bananas, cottage cheese, sugar, oil, vanilla, and vinegar. Blend until smooth.
Mix with eggs: Pour mixture into a bowl and whisk in the eggs.
Combine dry ingredients: In another bowl, whisk oat flour, baking powder, cinnamon, and salt.
Combine wet & dry: Add the dry mixture to the wet ingredients and stir until just combined.
Fold in chocolate chunks.
Bake: Pour batter into prepared loaf pan and smooth the top. Bake for 45–55 minutes or until a toothpick comes out clean.
Cool: Let cool in the pan for 10–15 minutes, then transfer to a wire rack to cool completely.
Notes
For a dairy-free option, use plant-based yogurt.
To make oat flour at home, blend rolled oats until fine.
Chocolate chips can be used instead of chunks.
- Prep Time: 15 minutes
- Cook Time: 45–55 minutes
- Category: Breakfast, Snack, Dessert
- Method: Baking
- Cuisine: American