Preheat your oven to 350°F (175°C). Line a loaf pan with parchment paper and lightly spray it with non-stick cooking spray.
Mash the overripe bananas in a large mixing bowl until mostly smooth.
Add the egg, vanilla extract, light brown sugar, granulated sugar, and ground cinnamon to the mashed bananas. Stir until well combined.
In a separate bowl, whisk together the flour, cocoa powder, baking powder, baking soda, and salt.
Slowly add the dry ingredients into the banana mixture, stirring gently until just combined to avoid overmixing.
Stir in the melted butter and about ¾ cup of the chocolate chips.
Pour the batter into the prepared loaf pan and smooth the top. Sprinkle the remaining ¼ cup of chocolate chips over the surface.
Bake in the preheated oven for 55–65 minutes, checking for doneness with a toothpick.
Let the loaf cool in the pan for 5–10 minutes, then transfer it to a wire rack to cool completely.
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Notes
Store the bread wrapped tightly in plastic wrap or in an airtight container at room temperature for 3–5 days. For longer storage, refrigerate or freeze.