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Preheat your oven to 350°F. Grease and flour a 9x5 inch loaf pan, or line with parchment paper.

In a large bowl, whisk together the all-purpose flour, 1/2 cup granulated sugar, baking soda, and salt. Set aside.

In a separate medium bowl, mash the ripe bananas with a fork or potato masher until mostly smooth. Stir in the lightly beaten large egg, melted unsalted butter, and 1 teaspoon vanilla extract until well combined.

Pour the wet banana mixture into the dry ingredients. Stir with a spatula until just combined. Be careful not to overmix; a few lumps are fine.

In a small bowl, prepare the cream cheese swirl. Beat the softened cream cheese with 1/4 cup granulated sugar, the large egg yolk, and 1/2 teaspoon vanilla extract until smooth and creamy.

Pour about half of the banana bread batter into the prepared loaf pan. Dollop half of the cream cheese mixture over the batter. Use a knife or skewer to gently swirl the cream cheese into the batter.

Carefully spoon the remaining banana bread batter over the swirled layer. Top with the remaining cream cheese mixture and swirl again gently.

Bake for 50-60 minutes, or until a wooden skewer inserted into the center of the bread (avoiding the cream cheese swirl) comes out clean. If the top browns too quickly, you can loosely tent it with aluminum foil.

Remove the loaf pan from the oven and let it cool in the pan for 10-15 minutes before carefully transferring it to a wire rack to cool completely. Slice and serve.


Preheat your oven to 350°F. Grease and flour a 9x5 inch loaf pan, or line with parchment paper.

In a large bowl, whisk together the all-purpose flour, 1/2 cup granulated sugar, baking soda, and salt. Set aside.

In a separate medium bowl, mash the ripe bananas with a fork or potato masher until mostly smooth. Stir in the lightly beaten large egg, melted unsalted butter, and 1 teaspoon vanilla extract until well combined.

Pour the wet banana mixture into the dry ingredients. Stir with a spatula until just combined. Be careful not to overmix; a few lumps are fine.

In a small bowl, prepare the cream cheese swirl. Beat the softened cream cheese with 1/4 cup granulated sugar, the large egg yolk, and 1/2 teaspoon vanilla extract until smooth and creamy.

Pour about half of the banana bread batter into the prepared loaf pan. Dollop half of the cream cheese mixture over the batter. Use a knife or skewer to gently swirl the cream cheese into the batter.

Carefully spoon the remaining banana bread batter over the swirled layer. Top with the remaining cream cheese mixture and swirl again gently.

Bake for 50-60 minutes, or until a wooden skewer inserted into the center of the bread (avoiding the cream cheese swirl) comes out clean. If the top browns too quickly, you can loosely tent it with aluminum foil.

Remove the loaf pan from the oven and let it cool in the pan for 10-15 minutes before carefully transferring it to a wire rack to cool completely. Slice and serve.
