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    Home » Chocolate

    Chocolate Chip Banana Bread Coffee Cake

    author bio
    Updated: Apr 29, 2026 by christina.marsigliese · 8 Comments
    Jump to Recipe

    Say hello to your new favorite way to enjoy banana bread! This Banana Bread Coffee Cake is incredibly soft, fluffy and moist with a tender crumb that melts in your mouth. It has the perfect amount of banana flavor with a hint of spice and richness from sour cream. There's a buttery cinnamon crumble on top and an espresso glaze that makes it so special. The combination of coffee and banana is actually so delicious and I discovered this one morning while eating a banana as I was drinking my coffee. All of these flavors combined - chocolate, banana, sour cream, cinnamon and coffee - are so delicious that you won't be able to stop eating it! The crumb topping is generous and it melts into the batter just a bit so you get a beautiful contrast of soft and crunchy. Make this for your weekend brunch and snack on it all week (if it lasts that long). If you also want a great banana bread recipe, check out my Classic Banana Bread and my Best Moist Chocolate Chip Banana Bread.

    chocolate chip banana bread coffee cake on cooling rack with spoon of espresso glaze

    WHY THIS RECIPE WORKS

    • Easy to make - this recipe comes together quickly and uses basic pantry ingredients that you likely have on hand already.
    • Soft and moist banana coffee cake - the cake is very moist and has such a soft crumb. It keeps well and stays soft at room temperature, and is even better warmed up slightly so the butter can soften.
    • Fluffy texture - this cake bakes up nice an tall with a fluffy crumb.
    • Perfectly sweet - the cake itself isn't overly sweet to compensate for the sweet crumb topping. It all works together perfectly.
    • Cinnamon crumb topping - there's a thick cinnamon-spiced buttery brown sugar crumb topping that is crunchy and also soft underneath.
    • Vanilla espresso glaze - this is optional, but I promise it is so worth it! The hint of coffee and cinnamon over the crumb adds another element of flavor that will ignite your tastebuds.
    sliced chocolate chip banana bread coffee cake on cooling rack with spoon of espresso glaze

    INGREDIENTS FOR BANANA BREAD COFFEE CAKE

    • All purpose flour - regular unbleached all-purpose flour works great for soft banana breads and coffee cakes. Do not pack it down when measuring or use a scale to get the right amount.
    • Baking powder - you'll need equal amounts of baking powder and baking soda to help this batter rise.
    • Baking soda - baking soda gives this cake golden crumb color and also reacts with the sour cream to help leaven the batter.
    • Cinnamon - there's cinnamon in the cake and also in the crumb topping for lots of warm spice flavor that is so classic in coffee cake.
    chocolate chip banana bread coffee cake ingredients
    chocolate chip banana bread coffee cake on cooling rack with banana
    • Bananas - you'll need about 2 ripe bananas for this recipe. That equates to about 1 cup mashed banana. For me, this is usually 2 large bananas. I don't recommend using frozen bananas for the best taste, but it will still work. See my tips below in the FAQ section to read why.
    • Butter - you can use salted or unsalted butter for this recipe, and I really recommend salted butter because it adds so much flavor.
    • Brown sugar - light or dark brown sugar works great in this recipe. It adds a lovely hint of molasses flavor and also keeps it extra moist.
    • Sour cream - it add tanginess and rich dairy notes to enhance the buttery flavor.
    • Chocolate chips - a bit of chocolate is such a treat in this recipe. Chocolate and banana is a wonderful combination. You can use any kind, but I really like semisweet chocolate in this recipe.
    chocolate chip banana bread coffee cake sliced on cooling rack

    STEP BY STEP INSTRUCTIONS: HOW TO MAKE BANANA BREAD COFFEE CAKE

    • STEP 1). Make the crumb topping. Combine flour, brown sugar, cinnamon and salt in a medium bowl and mix together until evenly blended. Add the soft butter and blend it in using your finger tips (you can also use a fork, but I find it works better and faster with my hands) until it is evenly combined and the mixture forms clumps. Cover the bowl and set it aside until needed so it doesn't dry out.
    • STEP 2). Make the banana bread batter. Measure out banana. Mash banana so it is quite smooth and measure out 1 cup (237ml).
    • STEP 3). Combine wet ingredients. Place mashed banana in a bowl and add brown sugar and granulated sugar. Whisk until smooth. Add eggs and whisk until evenly incorporated. Add melted butter, sour cream and vanilla extract and whisk until combined and smooth.
    • STEP 4). Combine dry ingredients. Combine flour, baking powder, baking soda, cinnamon, nutmeg and salt in a medium bowl and whisk to blend evenly.
    • STEP 5). Combine wet and dry ingredients. Add the dry ingredients to the bowl with the wet ingredients and start folding them through gently.
    • STEP 6). Fold in chocolate chips. Before it is all incorporated and a few streaks remain, add chocolate chips and fold them in.
    • STEP 7). Assemble the cake. Spread the batter evenly into the prepared pan. Sprinkle the crumb topping mixture evenly over top and sprinkle a few extra chocolate chips over the crumble.
    • STEP 8). Bake for 38-42 minutes until a toothpick inserted into the middle comes out clean. Transfer pan to a wire rack, cover with foil and set aside to cool for at least 30 minutes. The foil will help it steam slightly so that the crumbs soften just a touch but will still stay crunchy.
    • STEP 9). Make the glaze. Combine powdered sugar, espresso powder, cinnamon, salt and vanilla in a medium bowl. Gradually whisk in milk one teaspoon at a time until it is a drizzling consistency. I like when it is runny but still opaque. Slice and enjoy!
    chocolate chip banana bread coffee cake before slicing on cooling rack
    sliced chocolate chip banana bread coffee cake on cooling rack with spoon of espresso glaze
    chocolate chip banana bread coffee cake on cooling rack

    EXPERT BAKING TIPS

    • Measure flour correctly! Adding too much flour to the batter can result in a dense cake. Bananas contain carbohydrates that will contribute to some of the structure of the loaf itself, so the batter will be naturally wet. Resist the urge to add more flour.
    • Use the right amount of bananas. Bananas come in all different sizes... generally small medium and large. This recipe uses 2 medium sized bananas, and 1 medium banana (flesh only) weighs about 120g. So, that means after you peel your banana it should weigh about 120 grams. For this recipe you will need 240g of banana flesh.
    • Mash the bananas very well. Mash the bananas to a smooth consistency. This will ensure you extract all of the sugars and starch so they incorporate into the batter to make it moist and with an even crumb texture.
    • Do not over-mix - this is a rustic batter and doesn't need to be perfectly smooth to turn out wonderfully. Just gently fold the flour in until evenly incorporated so there aren't any large dry streaks, but no need to mix excessively. Over-mixing will lead to a drier, tougher crumb texture instead of soft and tender.
    • Avoid frozen bananas if you can. I always prefer to make banana cakes with very ripe spotty bananas and not frozen bananas. That is because freezing destroys the cell structure of the banana so that a lot of water leaches out once they thaw. This water is free water and can cause a dense gummy layer to form at the bottom of the baked cake. Fresh bananas have their cell structures intact so that they can contribute better to the integrity of the cake.
    • Steam the cake as it cools. This is one of my secret tricks. When the cake comes out of the oven, I cover it with foil to let the top steam a little. The crumbs are still crunchy on top, and then underneath they become soft and fudgy as they settle into the cake.
    sliced chocolate chip banana bread coffee cake on cooling rack with spoon of espresso glaze

    RECIPE FAQ

    Can I use a mixer to make this banana bread coffee cake?

    If you prefer to use a mixer, you totally can. Place the ripe bananas in the bowl and use the whisk attachment on medium speed to mash them up. Then continue to follow the recipe. Be careful not to over-mix once you add the flour.

    Can I use frozen bananas to make banana coffee cake?

    The short answer is, "Yes", you can. However, I don't recommend it. For the best results, use very ripe spotty bananas. Ripe fresh bananas will provide the necessary sweetness while still contributing solid structure to the loaf without making it stodgy.

    Frozen bananas discolor (they turn brown due to a chemical reaction called oxidation) and will leach water once defrosted. This free water can make the loaf soggy, and it may bake with a dense gummy layer on the bottom. Also, bananas take on lots of unpleasant freezer flavors that can alter the taste of the loaf.

    What is a substitute for sour cream?

    If you don't have sour cream, then you can use full fat Greek yogurt.

    Can I add nuts to this banana bread coffee cake?

    Yes, you absolutely can! I would recommend a softer nut such as walnuts or pecans. You can add about ¼ cup of chopped walnuts or pecans to the batter just before baking.

    How do I know when banana coffee cake is finished baking?

    This banana coffee cake is ready when the crumb topping is deeply browned and a toothpick inserted into the center should come out without any wet batter.

    Why did my banana bread coffee cake come out dry?

    If you have problems with your banana cake being dry, it is mostly likely because it has been over-baked or you have used too much flour. Make sure that you measure accurately.

    How do you store banana bread coffee cake?

    This banana coffee cake stays moist in an airtight container for up to 5 days at room temperature or over a week in the fridge.

    Can I freeze banana bread coffee cake?

    Yes, you absolutely can! To freeze the whole cake, wrap it well in plastic wrap and then in foil. Place the wrapped cake in a resealable freezer bag and freeze for up to 3 months. If you choose to freeze slices, wrap the slices individually in plastic wrap and the place in a freezer bag.

    chocolate chip banana bread coffee cake sliced on cooling rack

    If you love baking with bananas, check out these recipes!

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    Whole Wheat Chocolate Banana Muffins
    Double Chocolate Banana Bread
    Banana Oat Muffins
    Banana Blueberry Oat Muffins

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    Video

    Chocolate Chip Banana Bread Coffee Cake

    Christina Marsigliese, Food Scientist MSc.
    chocolate chip banana bread coffee cake
    This Banana Bread Coffee Cake is incredibly soft, fluffy and moist with a tender crumb that melts in your mouth. It has the perfect amount of banana flavor with a hint of spice and richness from sour cream. There's a buttery cinnamon crumble on top and an espresso glaze that makes it so special.
    5 from 2 votes
    Print Recipe Pin Recipe
    Prep Time 25 minutes mins
    Cook Time 40 minutes mins
    Servings 9 servings

    Ingredients
      

    Cinnamon Crumble topping:

    • ¾ cup (105g) all purpose flour
    • ⅓ cup plus 1 tbsp (85g) packed light brown sugar
    • ½ teaspoon ground cinnamon
    • ¼ teaspoon salt
    • ⅓ cup (75g) salted butter, softened

    Banana Bread Cake batter:

    • 1 cup (237ml) mashed ripe banana (from about 2 large bananas)
    • ½ cup (110g) packed light brown sugar
    • ¼ cup (50g) granulated sugar
    • 5 tablespoons salted butter, melted
    • ½ cup (120ml) full fat sour cream, at room temperature
    • 2 large eggs at room temperature
    • 1 teaspoon (5ml) pure vanilla extract
    • 1 ½ cups (215g) all-purpose flour
    • 1 ½ teaspoon baking powder
    • ¼ teaspoon baking soda
    • ½ teaspoon ground cinnamon
    • ⅛ teaspoon ground nutmeg
    • heaped ¼ teaspoon salt
    • ½ cup (85g) semisweet chocolate chips, plus more for topping

    Espresso glaze:

    • ½ cup (60g) powdered confectioner's sugar
    • ¼ teaspoon espresso powder
    • pinch ground cinnamon
    • ⅛ teaspoon salt
    • ¼ teaspoon pure vanilla extract
    • 3-4 teaspoon (15-20ml) milk

    Instructions
     

    • Preheat the oven to 350°F. Line the base of an 8x8-inch square metal baking pan with parchment paper leaving a 2-inch overhang at each side and secure the sides down on the edge of the pan with ¾-inch binder clips. 
    • Make the crumb topping. Combine flour, brown sugar, cinnamon and salt in a medium bowl and mix together until evenly blended. Add the soft butter and blend it in using your finger tips (you can also use a fork, but I find it works better and faster with my hands) until it reaches a crumbly and clumpy consistency. Do not over mix into paste, but do ensure there is no dry or dusty flour left in the bowl. The crumbs should be irregular, ranging in size from a pea to pecan. Cover the bowl and refrigerate it until needed so it doesn't dry out.
    • Make the banana bread batter. Mash banana so it is quite smooth and measure out 1 cup (237ml). Place it in a bowl and add brown sugar and granulated sugar. Whisk until smooth. Add eggs and whisk until evenly incorporated. Add melted butter, sour cream and vanilla extract and whisk until combined and smooth.
    • Combine flour, baking powder, baking soda, cinnamon, nutmeg and salt in a medium bowl and whisk to blend evenly.
    • Add the dry ingredients and start folding them through gently. Before it is all incorporated and a few streaks remain, add chocolate chips and fold them in.
    • Assemble the cake. Spread the batter evenly into the prepared pan. Sprinkle the crumb topping mixture evenly over top and sprinkle a few extra chocolate chips over the crumble. Bake for 38-42 minutes until a toothpick inserted into the middle comes out clean. Transfer pan to a wire rack, cover with foil and set aside to cool for at least 30 minutes. The foil will help it steam slightly so that the crumbs soften just a touch but will still stay crunchy.
    • Once cool enough, lift the cake out of the pan using the overhanging parchment and let it continue cooling on the rack while you make the glaze.
    • Make the espresso glaze. Combine powdered sugar, espresso powder, cinnamon, salt and vanilla in a medium bowl. Gradually whisk in milk one teaspoon at a time until it is a drizzling consistency. I like when it is runny but still opaque. Slice and enjoy!

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    Reader Interactions

    Comments

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      Recipe Rating




    1. cj

      May 03, 2026 at 12:18 am

      Could you make this into muffins?

      Reply
      • christina.marsigliese

        May 04, 2026 at 1:26 pm

        Hi CJ! Yes you can, however I recommend my Moist Banana Chocolate Chip Muffin recipe.

        Reply
    2. Claudia

      April 30, 2026 at 1:55 pm

      5 stars
      I knew bananas, chocolate chips, and crumb topping would be a winning combination! Excellent instructions, delicious flavor and great texture (oh-I accidentally forgot to add the eggs and it is still an excellent product!)

      Reply
      • christina.marsigliese

        May 01, 2026 at 2:57 am

        Thanks Claudia! Glad you enjoyed the recipe even without the eggs 🙂

        Reply
    3. Ted S

      April 23, 2026 at 5:16 am

      5 stars
      OMG
      I can't believe how good this is. I did double the recipe and made it in a 9x13 pan, so it may have been a little thicker, but i was not prepared for how amazing this is. Texture is perfect, flavors blend so well, and the topping - maybe because of the "foil during cooling" trick - was the right blend of crunchy and soft. Highly recommended!

      Reply
      • christina.marsigliese

        April 23, 2026 at 6:15 pm

        Thank you so much for the feedback Ted! Glad you enjoyed the recipe 🙂

        Reply
    4. Nancy Gulizia

      April 23, 2026 at 1:11 am

      Ca I bake in a loaf pan?

      Reply
      • christina.marsigliese

        April 23, 2026 at 1:33 am

        Hi Nancy! You could, but if you want to make in loaf pan I recommend my Best Chocolate Chip Banana Bread recipe.

        Reply

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