Cream Cheese Filled Banana Bread Recipe – This is the absolute BEST banana bread recipe ever! It tasked just like there is a creamy cheesecake baked right in the middle of a loaf of banana bread! You have to try this delicious variation of a classic.

Soft, moist, and delicious…Cream banana bread is a mind-blowing game changer!

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Cream Cheese Filled Banana Bread Recipe

I have so many variations of banana bread recipes from my Skillet Banana Bread to my Chocolate Chip Banana Bread. But nothing compares to this Cream Cheese Banana Bread recipe.

In my opinion, banana bread is the best quick bread in the world. This recipe is the perfect combination of moist banana bread and creamy cheesecake.

It’s so easy to make and comes together in just 15 minutes prep. Then, pop it in the oven and let it bake.

Your house will smell like a bakery, and you’ll have the ultimate breakfast or dessert item for the whole family to enjoy. 

Why We Love This Recipe

  • Quick prep time
  • Great way to use up ripe bananas
  • Makes creamy and moist banana bread
  • Can be served as a dessert, snack, or even breakfast
  • Baked and ready in just one hour
  • Easy to make 
  • Simple ingredients list, using many pantry staples
banana bread on a plate

Ingredients/Shopping List

Banana Bread

  • ¾ cup granulated sugar
  • 6 tbsp salted butter room temperature
  • 1½ ripened bananas (about ½ cup mashed bananas)
  • 1 large egg
  • 2½ tsp whole milk
  • 1 cup all-purpose flour
  • ½ tsp baking soda

Cream Cheese Filling

  • 4 ounces cream cheese softened
  • 1 large egg
  • 2 tbsp granulated sugar
  • 2 tbsp all-purpose flour

How to Pick Out the Perfectly Ripe Bananas

You want to use ripe or overripe bananas for your bread. You can tell if your banana is ripe enough when it begins to soften and develops brown spots or streaks.

If you use a banana that is not quite ripe, it will lack the sweetness that makes this banana bread so tasty. 

a loaf of banana bread cut into slices


How to Make Cream Cheese Banana Bread

The prep for this banana bread will come together very quickly. In fact, it will only take about 15 minutes to put it all together. Then, just pop it in the oven and bake to perfection!

Beat together sugar and butter. Mix in bananas, egg, and milk, then add in flour and baking soda.
Whisk together cream cheese, egg, sugar, and flour in a separate bowl.
Pour half bread batter into the bottom of your pan.

half bread butter in a pan

Spread cream cheese mixture on top.

cream cheese mixture on top in a pan

Create top layer with remaining bread batter.
Pro-tip: Make sure that your layers in your bread are evenly spread, and not mixed in with one another.

top layer of bread batter in the pan

Bake at 350 degrees for 50-60 minutes.

cream cheese banana bread fresh from the oven

Variations / Options / Add-ins

  • BUTTER: If using unsalted butter in your bread batter, you will want to add a bit of salt to the recipe.
  • CREAM CHEESE & MILK: I used full fat cream cheese and whole milk for this recipe. It makes for the best texture of cream cheese filling. I would recommend sticking with these versions of cream cheese and milk.
  • NUTS: A delicious addition to this banana bread recipe would be to add nuts to the bread batter. I would recommend pecans, walnuts, or almonds!
  • CARAMEL: To serve this banana bread as a dessert, try drizzling it with some hot caramel. It’s so delicious this way! You could even add some vanilla ice cream like this homemade No Churn Vanilla Ice Cream as well.

How to Store Banana Bread

Do not store your banana bread in the refrigerator, as it will dry the bread out. Instead, leave it on the countertop at room temperature in an airtight bag or container for up to one week.

You can also freeze our banana bread for up to 6 months.

slices of banana bread

Other Easy Banana Recipes

Banana Bread Cookies| Copycat Magnolia Bakery Banana Pudding |Not Yo’ Mamas Banana Pudding Recipe {Paula Deen Recipe} |Chocolate Chip Banana Bread Recipe |Banana Split Cake – No Bake Dessert |Banana Cream Pie Dip | Mini Banana Bread Muffins

5 from 19 votes
cream cheese banana bread featured image

Cream Cheese Banana Bread

Serves — 1
Cream Cheese Banana Bread tastes like there is a creamy cheesecake baked right in the middle of a moist loaf of bread. It’s a delicious variation of a classic homemade banana bread.
Prep Time 15 minutes
Cook Time 50 minutes
Total Time 1 hour 5 minutes


Banana Bread

  • ¾ cup granulated sugar
  • 6 tbsp salted butter room temperature
  • ripened bananas (about ½ cup mashed bananas)
  • 1 large egg
  • tsp whole milk
  • 1 cup all-purpose flour
  • ½ tsp baking soda

Cream Cheese Filling

  • 4 ounces cream cheese softened
  • 1 large egg
  • 2 tbsp granulated sugar
  • 2 tbsp all-purpose flour


  • Prep a 9×5 inch loaf pan by spraying it with cooking spray or line with parchment paper and setting it aside.
  • Preheat the oven to 350 degrees Fahrenheit.
  • Use a mixer to beat the sugar and butter together until fully combined.
  • In the same bowl, beat in the bananas, egg, and milk until smooth, about 1 minute.
  • On low speed, mix in the flour and baking soda. Do not overmix. Set batter aside for now.
  • In a bowl, whisk together the cream cheese, egg, sugar, and flour
  • Take the loaf pan and pour half of the bread batter into the bottom of the pan.
  • Spread the cream cheese mixture on top of the bread batter. Carefully create a top layer with the remaining bread batter. Make sure all these layers are spread evenly but are not mixed into each other.
  • Bake in the oven for 50-60 minutes or until golden brown and a tester comes out clean. Let completely cool before cutting and serving.

Jenn’s Notes

  • Because the cream cheese layer is in the middle, it may seem like it should affect your ability to tell if your bread is baked or not. The cream cheese layer will firm up and take on the consistency of bread when baked, so you can use a tester to check the bread for doneness just like you normally would. 
  • The cream cheese layer will cause the bread to flatten slightly when cooled.

Nutrition Info

Calories: 2464kcal | Carbohydrates: 327g | Protein: 35g | Fat: 118g | Saturated Fat: 68g | Trans Fat: 3g | Cholesterol: 634mg | Sodium: 1648mg | Potassium: 1102mg | Fiber: 8g | Sugar: 200g | Vitamin A: 4231IU | Vitamin C: 15mg | Calcium: 226mg | Iron: 9mg

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5 from 19 votes (16 ratings without comment)

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