Condensed Milk Banana Bread

This Condensed Milk Banana Bread is rich, moist, and super easy to whip up with just one bowl. The condensed milk brings a creamy sweetness that pairs beautifully with ripe bananas. It’s a no-fuss treat that fills your kitchen with that cozy, fresh-baked smell you’ll want to bottle up.

A loaf of banana bread with two slices cut, displayed on a white plate. Ripe bananas with brown spots are in the background.

Banana bread is a go-to recipe for overripe bananas, and this twist with condensed milk gives it an ultra-soft crumb and caramel-like flavor. It’s especially popular in cooler months when you’re craving something homey, or anytime you want a comforting bake with minimal effort. Keep it plain, or toss in chocolate chips or nuts for an extra layer of goodness.

If you love banana treats, then you should try these recipes for Banana Cornbread and Banana Pudding Brownies.

Ingredients

We’ve made this list to help you save time on your next trip to the grocery store. You can find the full amounts needed in the printable recipe card at the bottom of the post.

Mashed ripe bananas: Use bananas with lots of brown spots for the sweetest flavor. These bring natural moisture and a soft texture to the bread. The riper, the better.
Sweetened condensed milk: This adds a rich, creamy sweetness and replaces the need for extra sugar. It also helps create that melt-in-your-mouth texture. Don’t skip it. It’s what makes this recipe special.
Vegetable oil or melted butter: Oil gives a lighter crumb, while butter adds flavor. Either one works, depending on what you prefer. Use what you have on hand.
Egg: Binds everything together and gives structure to the bread. One large egg is all you need. Make sure it’s at room temperature for even mixing.
All-purpose flour: Keeps the texture tender but sturdy enough to slice. Spoon and level it for accurate measuring. Don’t pack it down.
Baking powder: Gives the bread its rise and soft texture. It reacts with the acid in the bananas. Make sure it’s fresh for best results.
Baking soda: Works with the bananas to boost rise and softness. It helps the loaf stay airy. Just a bit goes a long way.
Salt: Balances the sweetness and enhances flavor. Don’t leave it out. It makes a big difference. A little pinch is all you need.
Cinnamon (optional): Adds a warm, cozy touch. Perfect for fall or if you want a spiced banana bread. You can skip it or add more to taste.
Chopped nuts or chocolate chips (optional): Fold these in at the end for texture and flavor. Walnuts or semi-sweet chocolate chips work great, totally up to you.

See the recipe card below for quantities.

Instructions

This is a quick overview of the steps needed to make this recipe. You can find the full instructions in the recipe card at the bottom of this post.

A glass mixing bowl with egg and wet ingredients, surrounded by small bowls of flour, pecans, salt, and spices on a white surface.

Step 1: In a large bowl, mix mashed bananas, sweetened condensed milk, oil or melted butter, and the egg until smooth.

Three glass bowls containing chopped pecans, flour with spices, and a wet batter, with a metal fork placed beside them on a white surface.

Step 2: In a separate bowl, whisk together the flour, baking powder, baking soda, salt, and cinnamon if you’re using it.

A glass mixing bowl containing batter with chopped nuts added on top, and a spatula resting inside the bowl.

Step 3: Add the dry ingredients to the wet ingredients and stir until just combined. Don’t overmix. Fold in the nuts or chocolate chips if you’re adding them.

A loaf pan lined with parchment paper filled with unbaked bread or cake batter sits on a white surface.

Step 4: Pour the batter into the prepared loaf pan and smooth out the top.

A loaf of banana bread in a parchment-lined pan is cooling on a wire rack, with two ripe bananas in the background.

Step 5: Bake them in a preheated oven until a toothpick inserted into the center comes out clean.

A loaf of banana bread cooling on a wire rack with two overripe bananas in the background.

Step 6: Cool in the pan, then move to a wire rack to cool completely.

Storage

Storage – Wrap the banana bread tightly in plastic wrap or foil and store at room temperature for up to 3 days. You can also keep it in an airtight container to stay fresh.
Freezing – Wrap the whole loaf or individual slices in plastic wrap and place in a freezer bag. Freeze for up to 3 months. Thaw at room temperature or microwave slices for a quick treat.
Reheating – Microwave slices for 10–15 seconds to warm them up. You can also toast them lightly in a toaster oven for crispy edges.

What to Serve With Condensed Milk Banana Bread

Spread a thick layer of this Instant Pot Cherry Jam over a warm slice of banana bread for a juicy, fruity contrast. The cherry brightness cuts through the richness perfectly. Add a dollop of whipped cream and a few fresh cherries to make it brunch-worthy.
Smooth, tangy, and swirled with caramel, this Caramel Apple Cream Cheese Dip brings fall flavors that pair beautifully with banana bread. Slather it on or serve it on the side for dipping. It adds a creamy richness and a hint of apple spice that feels just right for cooler days.
Turn banana bread into a cozy dessert by serving it with this creamy Gingerbread Dip. Tear the bread into chunks and dip away. It’s like holiday comfort in every bite. The molasses and cinnamon flavors pair beautifully with banana.

Two slices of banana bread with visible nuts rest on a white plate, with ripe bananas in the background and a blue plaid cloth partially visible.

Wendys Tips

Use super ripe bananas with dark brown spots for best flavor.
Don’t overmix the batter or the bread can get tough.
Add both nuts and chocolate chips for extra flair.
Let it cool completely before slicing for cleaner cuts.

FAQ

Do you have questions about this recipe? Here are the answers to the most commonly asked questions.

Can I use frozen bananas?

Yes, thaw them first and drain any extra liquid before mashing.

Can I use unsweetened condensed milk?

No, this recipe depends on the sweetness from the sweetened version.