
Take regular banana bread to a whole new level with this mouthwatering treat that reminds you of your favorite Girl Scout cookie but in bread form. This chocolate-packed banana bread with a gooey coconut caramel crown brings together homey baking and luxurious cookie flavors. Since creating this one, it's become the number one bread people beg me to make for special events.
I brought this to a get-together last weekend and hadn't even finished putting it on the table before three guests were asking how to make it. Everyone went back for another piece after tasting the amazing chocolate-coconut combo.
Key Components
- Ripe Bananas: Pick three with lots of brown spots for extra sweetness
- Three Chocolates: Dark cocoa, milk chocolate chunks, and semi-sweet morsels
- Eggs at Room Temp: Critical for smooth blending
- Sour Cream: Gives amazing softness and keeps everything moist
- Sweetened Coconut: Gets browned for that amazing topping
- Good Caramel Sauce: Makes the knockout finishing touch
Step-by-Step Cooking Guide
- Chocolate Foundation:
- Start by mixing flour, cocoa powder, baking soda, and salt together. This sets up your first chocolate layer, building the deep flavor from the beginning. Make sure you've broken up any little cocoa clumps as you mix.
- Getting Wet Ingredients Ready:
- Mix oil and brown sugar until they're fully blended. Add eggs and sour cream that aren't cold from the fridge, stirring until everything looks smooth. Using room temp items makes everything come together better for the nicest bread texture.
- Adding Bananas:
- Gently stir in your mashed bananas and both kinds of chocolate chips. Using milk and semi-sweet chips together gives you more interesting flavor, while the bananas add wetness and natural sugar.
- Making the Coconut Top:
- Brown your coconut in a pan over medium-low heat, watching it closely and moving it around often until it turns golden. This simple step turns plain coconut into something nutty and caramel-like that makes this bread stand out.

I came up with this idea because I love both Samoa cookies and banana bread. One afternoon while enjoying these two favorites, I thought about mixing these flavors together. What came out was better than I could've dreamed.
Mastering the Heat
Getting this bread just right depends on how you handle the oven temp and timing. Cook at 350°F for the first hour, then put some foil over the top for another 20 minutes. This makes sure the middle gets fully cooked without the top getting too dark.

Keeping It Fresh
You can keep this bread without the topping at room temp up to 5 days. If you want to save it longer, freeze it without the coconut caramel for up to three months. When you're ready to eat it, let it thaw completely, then add fresh topping just before serving.
How To Freeze
To save for later, let the bread cool totally, then wrap it in parchment paper first, followed by aluminum foil. Put it in a freezer bag and squeeze out all the air. Write the date on it and freeze for up to three months. Always wait to add the topping until after it's thawed.

Closing Thoughts
This Chocolate Banana Bread with Toasted Coconut brings together cozy home baking and fancy dessert in one amazing package. Every bite gives you the comfort of chocolate banana bread topped with a candy-inspired finish that takes it to another level. Whether you're crazy about Samoa cookies or just enjoy trying new flavor mixes, this bread shows how sometimes the best things come from the most unexpected ideas.
Frequently Asked Questions
- → Can I swap out the chocolate chips?
- Absolutely, just throw in any mix of chocolate chips you like as long as they add up to 1 cup total.
- → Why do I need to cover with foil while baking?
- The foil tent stops the top from getting too dark or burnt during the long baking time.
- → Is it okay to skip the coconut topping?
- For sure, the chocolate banana bread tastes great by itself or you can try another topping you like.
- → What's the best way to keep this bread fresh?
- Pop it in a sealed container and leave it on your counter for up to 3 days.
- → Can I make this ahead and freeze it?
- You bet, just freeze the bread without the topping for up to 3 months. Add the topping after it's thawed out.