Wholesome Banana Oat Chocolate Chip Muffins

Irresistibly Soft & Fluffy Oatmeal Banana Chocolate Chip Muffins: Your New Favorite Easy Breakfast!

Discover the ultimate breakfast delight with these incredibly soft, fluffy, and utterly delicious Oatmeal Banana Chocolate Chip Muffins. Crafted with wholesome rolled oats, naturally sweet ripe bananas, and generous amounts of chocolate chips, these muffins are a perfect blend of comfort and convenience. They require only about 10 minutes of hands-on prep time, making them an ideal choice for busy mornings or a quick, satisfying snack any time of day. Get ready to fall in love with a muffin that tastes like a warm hug!

Two stacked oatmeal banana chocolate chip muffins, the top muffin has a bite taken out of it, revealing its soft, fluffy texture and chocolate chips.

This beloved recipe was first introduced in March 2021 and has since been perfected! We’ve made exciting updates, featuring brand-new images to inspire your baking and a refined recipe that guarantees even more delicious results. Our commitment to providing you with the best homemade treats means constantly striving for perfection, and these updated oatmeal banana chocolate chip muffins truly embody that effort.

These hearty and wholesome muffins are an absolute godsend for quick weekday breakfasts or anytime you need a convenient, tasty treat. Whenever I bake a fresh batch of muffins, whether it’s these delightful oatmeal banana chocolate chip ones or my equally popular banana carrot muffins, I always make sure to stash a few in the freezer. This smart meal prep strategy ensures that a wholesome, homemade breakfast is never more than a quick defrost away in the microwave! Imagine waking up to a warm, fluffy muffin without any morning hassle.

Think of these incredible chocolate chip banana oatmeal muffins as your favorite banana bread, but conveniently portioned into a muffin. They’re not just an easy breakfast option; they also make for a fantastic quick snack to curb those midday cravings. For maximum convenience, I highly recommend making a double batch. That way, you can enjoy some fresh out of the oven and freeze the rest for future enjoyment. Craving a traditional loaf of banana bread instead? Be sure to try my irresistible brown butter banana bread with chocolate chunks!

Why You’ll Adore These Oatmeal Banana Chocolate Chip Muffins!

These aren’t just any muffins; they’re a delightful experience waiting to happen. Here’s why these oatmeal banana chocolate chip muffins will become a staple in your kitchen:

  • Just Like Banana Bread, But Better! Imagine the comforting flavor profile of classic banana bread – warm, sweet, and incredibly moist – now perfectly packaged into individual, portable muffins. They offer all the beloved taste without the slicing, making them ideal for grab-and-go enjoyment. The texture is wonderfully soft and fluffy, with pockets of melted chocolate in every bite.
  • Perfect for Ripe Bananas: Do you often find yourself with a bunch of overly ripe bananas sitting on your counter, looking for a purpose? This recipe is the ultimate solution! Brown spots and freckles on your bananas are not a sign to discard them; they’re a signal of peak sweetness and flavor, making them absolutely ideal for these muffins. It’s a delicious way to prevent food waste and transform forgotten fruit into a magnificent treat.
  • Fast, Simple, and No Mixer Needed: Life is busy, and baking shouldn’t add to the stress. This recipe is designed for simplicity, requiring just about 10 minutes of active prep time. Forget about lugging out the electric mixer – all you need are a couple of bowls and a whisk! It’s perfect for beginner bakers or anyone looking for a low-effort, high-reward recipe that delivers fantastic results every time.
  • Effortless Meal Prep: Take the guesswork out of busy mornings by whipping up a batch of these muffins ahead of time. They’re perfect for meal prepping because they freeze beautifully. Bake a larger quantity, let them cool, and then store them for later. Having a freezer stash of these wholesome banana oat muffins means you’re always prepared with a delicious, homemade breakfast or snack throughout the week.

Essential Ingredients for Your Muffins

Crafting these heavenly muffins requires a thoughtful selection of common pantry staples. Each ingredient plays a crucial role in achieving the perfect texture, flavor, and moisture. Here’s a detailed look at what you’ll need:

A collection of fresh ingredients laid out on a table, including flour, ripe bananas, oats, sour cream, and chocolate chips, all ready to be used for baking oatmeal banana chocolate chip muffins.
  • All-Purpose Flour: The foundation of our muffins, all-purpose flour provides the necessary structure. While this recipe uses standard all-purpose, you can experiment with a portion of whole wheat flour for an added nutritional boost and a slightly denser texture, though it may alter the final outcome.
  • Sour Cream: This is a secret weapon for achieving truly moist and tender muffins. The acidity in sour cream reacts with the baking soda, creating a lighter crumb, and its fat content contributes to a rich, soft texture that prevents dryness. If you don’t have sour cream, plain Greek yogurt or buttermilk can be excellent substitutes.
  • Ripe Bananas: The star of the show! For the best flavor and sweetness, you absolutely want bananas with plenty of brown spots and freckles. These are not just easier to mash; they also boast a concentrated sweetness that perfectly infuses the muffins. Green or yellow bananas won’t offer the same depth of flavor or moisture. Aim for approximately 1 ½ cups of mashed banana, which is usually 3-4 medium-sized very ripe bananas.
  • Rolled Oats: We’re using whole rolled oats here, which contribute a wonderful chewy texture and a wholesome, hearty element to these muffins. Quick-cooking (instant) oats can be used in a pinch, but be aware that they will result in a slightly softer, less substantial texture. Steel-cut oats are not recommended as they won’t soften sufficiently during baking.
  • Chocolate Chips: I opted for classic semi-sweet chocolate chips, which provide a balanced sweetness against the banana. However, feel free to customize! Dark chocolate chips offer a richer, more intense flavor, while milk chocolate chips deliver a sweeter, creamier touch. You could even use white chocolate chips or a mix of different types for a varied flavor profile.
  • Warm Spices: A blend of warm spices truly elevates the banana flavor and adds a cozy aroma to these muffins. Cinnamon is a must-have, complementing banana beautifully. A touch of nutmeg enhances the overall warmth, and you could even consider a tiny pinch of ginger or allspice for an extra layer of complexity. These spices transform a simple muffin into something truly special.

Easy Step-by-Step Baking Guide

Baking these delightful oatmeal banana chocolate chip muffins is a straightforward process, perfect for bakers of all skill levels. Follow these simple steps for perfectly moist and flavorful results:

A bowl of mashed ripe bananas and a separate bowl of all-purpose flour, representing the initial wet and dry ingredients for the muffin recipe.

Step One: Prepare the Wet Ingredients. In a large mixing bowl, take your very ripe bananas and mash them thoroughly using a potato masher or the back of a fork. Aim for a consistency that’s mostly smooth but still has a few small lumps for added texture in the finished muffins. Once mashed, add the light brown sugar, a large egg, the melted unsalted butter, fragrant vanilla extract, and the sour cream. Whisk these ingredients together until they are just combined. Don’t worry if the mixture still looks a bit chunky from the bananas; that’s perfectly normal and desired!

Step Two: Combine the Dry Ingredients. In a separate, medium-sized mixing bowl, whisk together all of your dry ingredients. This includes the all-purpose flour, baking soda, baking powder, kosher salt, ground cinnamon, and ground nutmeg. Whisk thoroughly for about 30 seconds to ensure that the leavening agents and spices are evenly distributed throughout the flour. This step is crucial for achieving an even rise and consistent flavor in every muffin.

A bowl of mixed muffin batter with chocolate chips and a muffin pan filled with unbaked chocolate chip oatmeal muffins topped with extra chocolate chips.

Step Three: Gently Mix Wet and Dry. Now it’s time to bring everything together. Pour the combined dry ingredients directly into the bowl with your wet ingredients. Using a spatula or a large spoon, gently fold the mixture until everything is just barely combined. Be careful not to overmix; a few streaks of flour are absolutely fine! Overmixing can lead to tough, dense muffins. Once the batter is mostly combined, stir in the majority of your chocolate chips, but remember to set aside a small handful for sprinkling on top.

Step Four: Fill Muffin Liners and Bake. Before you start filling, preheat your oven to 350°F (175°C). Prepare a standard muffin pan by lining it with paper liners. If you don’t have liners, simply spray each muffin cavity generously with cooking spray. Using an ice cream scoop or a large cookie scoop, evenly distribute the muffin batter into each liner, filling them almost to the top. This ensures nice, domed muffin tops. Sprinkle your reserved chocolate chips over the top of each muffin for an appealing finish. For an extra rustic touch, you can also sprinkle a few extra oats on top. Bake for 25-30 minutes, or until a wooden skewer inserted into the center of a muffin comes out clean.

Step Five: Cool and Enjoy. Once baked, remove the muffin pan from the oven and allow the muffins to cool in the pan for about 15 minutes. This allows them to set properly and prevents them from sticking. After 15 minutes, carefully transfer the muffins to a wire rack to cool completely. Cooling on a wire rack allows air to circulate, preventing the bottoms from becoming soggy. Serve them warm for gooey chocolate chips, or enjoy them cooled for a firmer texture. These muffins are truly delightful at any temperature!

A close-up shot of a single, freshly baked oatmeal banana chocolate chip muffin with a bite taken out, showing its soft interior and melted chocolate.

Expert Tips & Tricks for Perfect Muffins

Achieving bakery-quality muffins at home is easier than you think with these professional insights:

  • Precision in Measuring: For consistently perfect baking results, I cannot stress enough the importance of using a kitchen weighing scale. Measuring ingredients the metric way (in grams) is the most accurate method and makes a significant difference in the final texture and outcome of your baked goods. Volume measurements (cups) can vary widely, leading to inconsistencies. Invest in a digital scale for foolproof baking!
  • The “Fluff and Sprinkle” Method for Flour: If you are not using a weighing scale and rely on measuring cups, it’s crucial to measure your flour correctly to avoid dry, dense muffins. Never scoop flour directly from the bag with your measuring cup, as this compacts the flour and results in using too much. Instead, use the “fluff and sprinkle” method: first, fluff up the flour in its container with a spoon, then gently spoon the flour into your measuring cup until it overflows, and finally, level off the excess with a straight edge (like a knife). This ensures you get the right amount of flour. Learn more about this technique here.
  • Room Temperature Ingredients are Key: This is a golden rule in baking! Ensure all your refrigerated ingredients, such as eggs, butter, and sour cream, are at room temperature before you begin the recipe. Room temperature ingredients emulsify more easily, creating a smoother, more uniform batter. This leads to a more consistent rise and a softer, fluffier muffin texture. Plan ahead and take these ingredients out of the fridge at least an hour or two before you start mixing.
  • Muffin Liners vs. Cooking Spray: For easy removal and cleanup, paper muffin liners are highly recommended. However, if you prefer not to use them, ensure you generously spray each muffin cavity with a good quality non-stick cooking spray immediately before pouring in the batter. This helps prevent sticking and ensures your beautiful muffins come out perfectly intact. You can also lightly butter and flour each cavity for extra insurance.
  • Don’t Overmix! As mentioned in the instructions, overmixing is the enemy of tender muffins. Once you combine the wet and dry ingredients, mix just until no dry streaks of flour remain. A few lumps are perfectly acceptable and often lead to a more tender crumb. Overmixing develops the gluten in the flour, resulting in tough, chewy muffins.
  • Customizing Your Mix-ins: While chocolate chips are fantastic, feel free to experiment! You can swap them for walnuts, pecans, or even a mix of nuts and a smaller amount of chocolate chips. Dried fruit like cranberries or raisins can also add a delightful chewiness. Just be mindful not to add too many mix-ins, as this can weigh down the batter and prevent the muffins from rising properly.
Three stacked oatmeal banana chocolate chip muffins on a cutting board, the top one with a bite taken out, showing its moist interior.

Frequently Asked Questions About These Muffins

Here are some common questions and helpful answers to ensure your oatmeal banana chocolate chip muffins turn out perfectly every time!

Can I use instant oats or steel-cut oats in this recipe?

I strongly recommend sticking with old-fashioned rolled oats for the best texture in these muffins. Steel-cut oats are much too firm and will not soften adequately during the baking process, resulting in a gritty and unpleasant texture. If you use instant oats (quick-cooking oats), they will absorb liquid much faster and create a softer, almost mushy texture, which significantly changes the overall mouthfeel of the muffins compared to using rolled oats.

Can I make these muffins without butter?

Yes, if you prefer to avoid butter or are looking for a dairy-free option, you can substitute an equal amount of melted coconut oil for the unsalted butter. Ensure the coconut oil is melted but not hot, as hot oil could cook the egg prematurely. The flavor profile will have a slight hint of coconut, which can be quite delicious and complements the banana wonderfully!

Could I add in other mix-ins besides chocolate chips?

Absolutely! This recipe is quite versatile. You can easily substitute nuts like chopped walnuts or pecans for the chocolate chips, which pair wonderfully with banana. If you’re feeling adventurous, dried cranberries or raisins could also be a delicious addition. However, I generally don’t recommend adding both chocolate chips and a large amount of other mix-ins. Too many additional ingredients can weigh down the batter, making it harder for the muffins to rise properly and potentially leading to a denser result. If you want to use multiple mix-ins, reduce the total quantity slightly.

How do I know if my bananas are ripe enough for baking?

The ideal bananas for baking are those with plenty of brown spots, speckles, or even almost entirely brown skin. The browner they are, the sweeter and softer they become, making them easier to mash and imparting a richer banana flavor to your muffins. If your bananas are still mostly yellow, they won’t provide the same level of sweetness or moisture, so it’s best to wait until they’ve ripened sufficiently.

Can I make this recipe healthier?

While these muffins already contain wholesome ingredients like oats and bananas, you can make them even healthier. Consider substituting half of the all-purpose flour with whole wheat flour for added fiber. You can also reduce the amount of chocolate chips or swap them for nuts or unsweetened shredded coconut. Additionally, you could reduce the brown sugar slightly, especially if your bananas are very ripe and sweet.

Storage & Freezing Tips for Freshness

Proper storage is essential to keep your delicious oatmeal banana chocolate chip muffins fresh and enjoyable for as long as possible. These tips will help you preserve their irresistible flavor and texture:

Once your muffins have cooled completely, the best way to store them is in an airtight container at room temperature. This method will keep them wonderfully fresh for up to 3 days. For an extra touch of warmth and gooey chocolate, you can gently heat them in the microwave for about 10-15 seconds before serving. If you live in a particularly warm or humid climate, or if you want to extend their freshness slightly longer, consider storing them in the refrigerator, where they will last for up to 4-5 days.

These oatmeal banana chocolate chip muffins are incredibly freezer-friendly, making them perfect for meal prep. To freeze, ensure the muffins are completely cooled to prevent ice crystals from forming. Place them in a single layer on a baking sheet and freeze for about an hour until firm. Then, transfer the frozen muffins to an airtight freezer bag or container, removing as much air as possible to prevent freezer burn. They can be stored in the freezer for up to 3 months. When you’re ready to enjoy one, simply defrost it overnight at room temperature, or quickly warm it in your microwave from frozen until heated through. This makes for a convenient and delicious breakfast or snack anytime!

Expand Your Breakfast Repertoire: Try These Delicious Recipes Next!

If you loved these oatmeal banana chocolate chip muffins, you’re in for a treat! Here are a few more fantastic breakfast and snack recipes from our collection that you’re sure to enjoy. Perfect for experimenting with new flavors or simply finding another quick and easy option for your busy schedule:

  • Baked Oats for One (4 Flavors!)
  • Wholesome Oatmeal Blueberry Banana Muffins
  • Adorable Banana Mini Muffins
  • Easy & Nutritious Banana Carrot Muffins

Have you made this delightful recipe? Please take a moment to rate the recipe below! We love seeing your creations! Don’t forget to follow me on Instagram @alpineella and Pinterest to share your baking adventures and get more delicious inspiration!

Recipe

Two stacked oatmeal banana chocolate chip muffins, the top muffin has a bite taken out of it.

Oatmeal Banana Chocolate Chip Muffins

Ella Gilbert

Soft and fluffy banana oatmeal muffins loaded up with delicious chocolate chips. The perfect quick breakfast or snack!

5 from 5 votes
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Prep Time 10 minutes
Cook Time 23 minutes
Total Time 33 minutes

Course Breakfast, Snack
Cuisine American

Servings 12 muffins
Calories 189 kcal

Equipment

  • Muffin pan

Ingredients

 

 

  • 1 ½ cups ripe mashed bananas
  • 1 large egg
  • 6 tablespoons unsalted butter melted, room temperature
  • ½ cup light brown sugar
  • 1 teaspoon vanilla extract
  • ¼ cup sour cream
  • 1 ½ cups all-purpose flour
  • 1 teaspoon baking soda
  • 1 teaspoon baking powder
  • ½ teaspoon kosher salt
  • 1 teaspoon ground cinnamon
  • ¼ teaspoon ground nutmeg
  • ½ cup rolled oats
  • ¾ cup chocolate chips

Instructions

 

  • Preheat the oven to 350°F (175°C). Prepare a 12-cup muffin pan by lining it with paper liners or generously greasing each cavity.
  • In a large bowl, mash the ripe bananas thoroughly with a fork or potato masher. Add the light brown sugar, egg, melted butter, vanilla extract, and sour cream. Whisk until just combined.
  • In a separate medium bowl, whisk together the all-purpose flour, rolled oats, baking soda, baking powder, kosher salt, ground cinnamon, and ground nutmeg until well combined.
  • Pour the wet banana mixture into the dry ingredients. Fold gently with a spatula until just combined. Be careful not to overmix; a few streaks of flour are okay.
  • Reserve a small handful of chocolate chips for topping. Gently fold the remaining chocolate chips into the muffin batter.
  • Evenly divide the batter among the prepared muffin liners, filling each almost to the top. Sprinkle the reserved chocolate chips over the top of each muffin.
  • Bake in the preheated oven for 25-30 minutes, or until a wooden skewer inserted into the center comes out clean.
  • Allow the muffins to cool in the pan for 15 minutes before transferring them to a wire rack to cool completely. Enjoy warm or at room temperature!

Notes

My recipes have been developed and tested in metric grams for the most accurate results. I highly recommend using a kitchen weighing scale and measuring out your ingredients the metric way. I have provided a conversion to US cups, but please note that I haven’t specifically tested the recipe with this method, so results may vary slightly.

For the best outcome, ensure all of your refrigerated ingredients (like eggs, butter, and sour cream) are at room temperature before you begin the recipe. This helps them combine smoothly and contributes to a lighter, more consistent muffin texture. Plan to pull them out of the fridge about an hour or two before you start baking.

Salt: If you don’t have kosher salt, you can use fine table salt, but be sure to halve the amount called for in the recipe. As a general rule, 1 teaspoon of Diamond Crystal Kosher Salt (which I typically use) is roughly equivalent to ½ teaspoon of fine table salt or Morton Kosher Salt. Morton Salt is much saltier than Diamond Crystal, so adjust accordingly to avoid overly salty muffins.

Storage: Keep these delicious muffins in an airtight container at room temperature for up to 2-3 days. For extended freshness, store them in the refrigerator for up to 4-5 days.

Freezing: To freeze, ensure the baked and cooled muffins are placed in a freezer-safe bag or airtight container. They will keep well for up to 2 months. Thaw them overnight in the refrigerator or at room temperature, or reheat briefly in the microwave for a quick treat.

Nutrition

Calories: 189kcalCarbohydrates: 28gProtein: 3gFat: 7gSaturated Fat: 4gPolyunsaturated Fat: 0.5gMonounsaturated Fat: 2gTrans Fat: 0.2gCholesterol: 33mgSodium: 235mgPotassium: 123mgFiber: 1gSugar: 11gVitamin A: 240IUVitamin C: 2mgCalcium: 43mgIron: 1mg

Tried this recipe?Leave a comment below! You can also tag me on Instagram @alpineella so I can see what you made!