Cream Cheese Cinnamon Swirl Banana Bread

Featured in: Homemade Bakes

Indulge in a truly special banana bread, elevated by a rich, tangy cream cheese filling and a fragrant cinnamon sugar swirl. This moist and aromatic baked good is perfect for breakfast, a comforting snack, or a delightful dessert. It boasts a tender crumb with balanced flavors of sweet banana, creamy cheese, and warm spice. Preparation is straightforward: combine ripe bananas with pantry staples, whip up the cream cheese layer, and gently swirl. Bake until golden, then cool completely to savor every delicious slice. An easy culinary project with wonderfully impressive results.

Updated on Sun, 01 Feb 2026 04:56:22 GMT
Freshly baked Cream Cheese Cinnamon Swirl Banana Bread sliced on a wooden board, displaying the moist crumb and creamy white filling. Save
Freshly baked Cream Cheese Cinnamon Swirl Banana Bread sliced on a wooden board, displaying the moist crumb and creamy white filling. | crumbnest.com

Experience the ultimate comfort food with this Cream Cheese Cinnamon Swirl Banana Bread. This recipe elevates the classic banana loaf by layering a moist, spice-infused batter with a rich, cheesecake-like filling and a fragrant cinnamon sugar crust. It is the perfect balance of fruity sweetness and creamy decadence, making it an ideal choice for a special breakfast, a cozy afternoon snack, or a delightful dessert.

Freshly baked Cream Cheese Cinnamon Swirl Banana Bread sliced on a wooden board, displaying the moist crumb and creamy white filling. Save
Freshly baked Cream Cheese Cinnamon Swirl Banana Bread sliced on a wooden board, displaying the moist crumb and creamy white filling. | crumbnest.com

Whether you have a few overripe bananas sitting on your counter or you are looking for a show-stopping bake to share with friends, this recipe is a must-try. The aromatic blend of cinnamon and vanilla fills your kitchen as it bakes, creating a cozy atmosphere that matches the delicious flavor of the finished loaf.

Ingredients

Banana Bread
  • 2 large ripe bananas, mashed
  • ½ cup (115 g) unsalted butter, melted
  • ¾ cup (150 g) brown sugar
  • 2 large eggs
  • 1 teaspoon vanilla extract
  • 1 ½ cups (190 g) all-purpose flour
  • 1 teaspoon baking soda
  • 1 teaspoon ground cinnamon
  • ¼ teaspoon salt
Cream Cheese Filling
  • 8 oz (225 g) cream cheese, softened
  • ¼ cup (50 g) granulated sugar
  • 1 large egg
  • ½ teaspoon vanilla extract
Cinnamon Sugar Swirl
  • 2 tablespoons granulated sugar
  • 1 teaspoon ground cinnamon

Instructions

Step 1: Prep
Preheat your oven to 350°F (175°C). Grease a 9x5-inch (23x13 cm) loaf pan and line with parchment paper, leaving an overhang for easy removal.
Step 2: Wet Ingredients
In a large bowl, mash the bananas until smooth. Stir in the melted butter, brown sugar, eggs, and vanilla extract until well combined.
Step 3: Dry Ingredients
In a separate bowl, whisk together the flour, baking soda, ground cinnamon, and salt.
Step 4: Combine
Gently fold the dry ingredients into the banana mixture until just combined. Do not overmix.
Step 5: Filling
For the cream cheese filling, beat the softened cream cheese with granulated sugar, egg, and vanilla extract until smooth and creamy.
Step 6: Swirl Mix
In a small bowl, combine 2 tablespoons granulated sugar with 1 teaspoon cinnamon to make the cinnamon sugar.
Step 7: First Layer
Pour half of the banana bread batter into the prepared loaf pan and smooth the top. Sprinkle with half the cinnamon sugar.
Step 8: Final Layers
Spread the cream cheese mixture evenly over the batter. Top with the remaining banana bread batter and smooth the surface. Sprinkle remaining cinnamon sugar on top.
Step 9: Bake
Bake for 50–60 minutes, or until a toothpick inserted into the center comes out clean (a few moist crumbs are fine).
Step 10: Cool
Let the loaf cool in the pan for 10 minutes, then lift out using the parchment overhang and transfer to a wire rack to cool completely before slicing.

Zusatztipps für die Zubereitung

To ensure the most successful bake, verify that your cream cheese is fully softened at room temperature before mixing the filling; this prevents unappetizing lumps. When testing for doneness, aim for a toothpick that comes out clean or with just a few moist crumbs. Overbaking can dry out the delicate banana bread base.

Varianten und Anpassungen

If you want to add some texture or extra indulgence, try folding in ½ cup of chopped walnuts or semi-sweet chocolate chips into the banana bread batter during the final mixing stage. You can also substitute the brown sugar with coconut sugar for a slightly different depth of flavor.

Serviervorschläge

This loaf is incredibly delicious when served slightly warm, which softens the cream cheese filling. It also tastes wonderful toasted with a small pat of butter. For storage, keep leftovers wrapped in the refrigerator for up to 4 days to maintain the freshness of the dairy filling.

A whole loaf of Cream Cheese Cinnamon Swirl Banana Bread with golden crust and sparkling cinnamon sugar topping on a rustic table. Save
A whole loaf of Cream Cheese Cinnamon Swirl Banana Bread with golden crust and sparkling cinnamon sugar topping on a rustic table. | crumbnest.com
Product image
Serve homemade meals comfortably with sturdy utensils and steak knives for everyday dining and special dinners.
Check price on Amazon

Whether you enjoy it as a morning pick-me-up or a late-night treat, this Cream Cheese Cinnamon Swirl Banana Bread offers a delightful combination of flavors and textures that will have everyone reaching for a second slice. Enjoy the perfect blend of sweet banana, aromatic cinnamon, and tangy cream cheese!

Recipe FAQ

How do I ensure my banana bread is moist?

Using very ripe, mashed bananas is key for moisture. Also, be careful not to overmix the batter after adding dry ingredients, as this can develop the gluten too much, leading to a tougher texture. Baking until just set, with a few moist crumbs on a toothpick, helps prevent drying out.

Can I substitute any ingredients in the cream cheese filling?

For the cream cheese filling, it's best to stick to full-fat cream cheese for the richest, creamiest texture. You could adjust the amount of sugar slightly to your preference, but the egg and vanilla are crucial for its structure and flavor.

What's the best way to store this loaf?

Because of the cream cheese filling, this baked good should be stored in an airtight container in the refrigerator. It will stay fresh for up to 4 days. You can enjoy slices cold, or gently warm them before serving.

Can I add nuts or chocolate chips to the batter?

Yes, for extra flavor and texture, you can certainly add ½ cup of chopped walnuts, pecans, or chocolate chips to the banana bread batter. Fold them in gently just before combining with the cream cheese layer.

How do I know when the loaf is fully baked?

The loaf is typically done when a toothpick or thin skewer inserted into the center comes out clean, or with just a few moist crumbs attached. The top should be golden brown, and the edges will start to pull away from the pan. Baking time can vary, so visual cues are important.

Why is proper cooling important for this specific loaf?

Allowing the loaf to cool completely on a wire rack is crucial. This allows the internal structure to set properly, especially the cream cheese layer, preventing it from crumbling or being too soft when sliced. It also enhances the overall flavor and texture.

Cream Cheese Cinnamon Swirl Banana Bread

Enjoy a delectable banana bread featuring a creamy cheese layer and aromatic cinnamon sugar swirl. Soft, moist, and utterly irresistible.

Prep duration
20 min
Cook duration
55 min
Complete duration
75 min
Created by Chloe Martin


Skill Level Easy

Heritage American

Output 10 Portions

Dietary considerations Meat-Free

Components

Banana Bread Base

01 2 large ripe bananas, mashed
02 ½ cup unsalted butter, melted
03 ¾ cup brown sugar, packed
04 2 large eggs
05 1 teaspoon vanilla extract
06 1 ½ cups all-purpose flour
07 1 teaspoon baking soda
08 1 teaspoon ground cinnamon
09 ¼ teaspoon salt

Cream Cheese Filling

01 8 oz cream cheese, softened
02 ¼ cup granulated sugar
03 1 large egg
04 ½ teaspoon vanilla extract

Cinnamon Sugar Swirl

01 2 tablespoons granulated sugar
02 1 teaspoon ground cinnamon

Directions

Phase 01

Prepare the Oven and Pan: Preheat oven to 350°F. Grease a 9x5-inch loaf pan thoroughly and line with parchment paper, allowing edges to overhang for easy removal later.

Phase 02

Mix Wet Ingredients: In a large mixing bowl, mash ripe bananas until completely smooth. Add melted butter, brown sugar, eggs, and vanilla extract. Whisk until fully incorporated and uniform in texture.

Phase 03

Combine Dry Ingredients: In a separate medium bowl, sift together all-purpose flour, baking soda, ground cinnamon, and salt. Whisk briefly to ensure even distribution of leavening agents and spices.

Phase 04

Form Banana Bread Batter: Gently fold dry ingredients into banana mixture using a rubber spatula. Mix only until flour disappears and no dry streaks remain. Avoid overmixing to prevent tough texture.

Phase 05

Prepare Cream Cheese Filling: Using an electric mixer or vigorous whisking, beat softened cream cheese with granulated sugar, egg, and vanilla extract until completely smooth and creamy. Ensure no lumps remain.

Phase 06

Make Cinnamon Sugar Mixture: In a small bowl, combine 2 tablespoons granulated sugar with 1 teaspoon ground cinnamon. Stir thoroughly until evenly blended.

Phase 07

Layer Bottom Batter: Pour exactly half of the banana bread batter into prepared loaf pan. Using an offset spatula or back of spoon, spread evenly across pan bottom. Sprinkle half the cinnamon sugar mixture over surface.

Phase 08

Add Cream Cheese Layer: Spread cream cheese filling in an even layer over the cinnamon sugar. Take care to cover entire surface without mixing into batter below.

Phase 09

Complete Layering: Top with remaining banana bread batter. Smooth surface carefully to create even top layer. Sprinkle remaining cinnamon sugar evenly across entire surface.

Phase 10

Bake to Perfection: Bake for 50-60 minutes until deep golden brown. Test doneness by inserting toothpick into center—it should emerge with just a few moist crumbs, not wet batter.

Phase 11

Cool and Serve: Allow loaf to rest in pan for 10 minutes. Using parchment overhang, lift bread from pan and transfer to wire rack. Cool completely before slicing for clean cuts.

Tools needed

  • 9x5-inch loaf pan
  • Large mixing bowls
  • Electric mixer or whisk
  • Rubber spatula
  • Measuring cups and spoons
  • Parchment paper
  • Wire cooling rack

Allergy details

Review each component for potential allergens and seek medical guidance if you're uncertain about ingredients.
  • Contains eggs
  • Contains dairy (cream cheese, butter)
  • Contains wheat (all-purpose flour)
  • May contain traces of nuts if added or processed in facilities handling nuts

Nutritional information (each portion)

These values are approximate guides only and shouldn't replace professional medical consultation.
  • Energy: 220
  • Fats: 9 g
  • Carbohydrates: 32 g
  • Proteins: 3 g