Moist and tender banana bread swirled with rich cream cheese filling—this easy loaf is the perfect cozy bake for breakfast or dessert.

Banana Bread Batter:

1 ½ cups all-purpose flour

1 tsp baking soda

½ tsp salt

½ tsp ground cinnamon (optional)

½ cup unsalted butter, softened

½ cup granulated sugar

½ cup packed brown sugar

2 large eggs

1 cup mashed ripe bananas (2–3 bananas)

1 tsp vanilla extract

Cream Cheese Filling:

8 oz cream cheese, softened

½ cup powdered sugar

1 tsp vanilla extract

1 large egg

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Preheat oven to 350°F (175°C). Grease and line a 9×5-inch loaf pan with parchment.

Whisk flour, baking soda, salt, and cinnamon in a bowl.

Cream butter and sugars until fluffy. Beat in eggs, bananas, and vanilla.

Fold in dry ingredients until just combined.

In a separate bowl, beat cream cheese, powdered sugar, vanilla, and egg until smooth.

Pour half of the banana batter into the pan, spread cream cheese filling over it, gently swirl with a knife, and top with the remaining batter.

Bake for 50–60 minutes, checking with a toothpick inserted into the banana bread (not cream cheese).

Cool in pan for 20 minutes, then remove and cool completely before slicing.

Swirl cream cheese gently for a marble effect.

Cover with foil if browning too quickly during baking.