If you love classic banana bread and gooey campfire s'mores, this S'mores Banana Bread is about to become one of your new favorite baking recipes. It starts with an incredibly moist banana bread that's filled with melty chocolate chips and chopped milk chocolate. Then, halfway through baking, it's topped with gooey marshmallows that toast until golden before being finished with even more chocolate and a sprinkle of crushed graham crackers.

The result is everything you love about a traditional s'more wrapped up in a soft, bakery-style loaf. It's rich without being overly sweet, incredibly moist, and guaranteed to disappear quickly.

Whether you're looking for a fun way to use overripe bananas or simply want a summer-inspired dessert that feels nostalgic, this recipe checks every box.

why you'll love them!

There are plenty of chocolate chip banana bread recipes out there, but this one stands out because every ingredient is working toward recreating the flavor of an actual s'more.

The banana bread stays incredibly moist thanks to lots of ripe bananas and melted butter.
The combination of chocolate chips and chopped chocolate creates both little bursts of chocolate and larger gooey pockets.
Adding the marshmallows later in the bake keeps them beautifully toasted instead of disappearing into the loaf.
Graham cracker crumbs add just enough crunch to balance the soft bread and gooey marshmallows.
It tastes like something you'd buy from a bakery but uses simple pantry ingredients.

If you're a fellow banana bread lover, you'll also want to try my Cinnamon Crunch Banana Bread. And if you're in a chocolate mood, my Double Chocolate Zucchini Muffins are another reader favorite that stay incredibly moist thanks to hidden vegetables.

What Makes this the Best S'mores Banana Bread?

The biggest difference between this recipe and many others is when the marshmallows are added.

Many recipes mix marshmallows directly into the batter. During testing, I found they mostly melted away, leaving sticky pockets instead of recognizable marshmallows.

Adding them during the last 10 to 15 minutes of baking completely changes the result.

Instead of disappearing, they puff up, toast lightly, and stay gooey on top. Once you add chopped chocolate while they're still warm, it melts into the marshmallows, creating that classic melted chocolate layer you'd expect from a freshly made s'more.

It's a small change, but it makes a huge difference in both texture and presentation.

Ingredients You'll Need

Unsalted Butter

Melted butter gives this loaf a rich flavor while creating a soft, tender crumb. Because it's melted instead of creamed, the bread stays dense in the best possible way without becoming heavy.

Brown Sugar

Brown sugar contributes moisture and adds subtle caramel notes that pair beautifully with bananas and chocolate.

Granulated Sugar

Using a combination of brown and granulated sugar gives you sweetness without making the loaf overly rich.

Ripe Bananas

The more brown spots your bananas have, the better. Overripe bananas are sweeter, mash more easily, and create a softer banana bread.

Tip: If your bananas still have yellow peels, they're probably not ripe enough yet.

Flour

Regular all-purpose flour provides enough structure to support the heavy mix-ins while still keeping the loaf tender.

Baking Soda + Baking Powder

Using both gives the loaf a nice rise while preventing it from becoming overly dense.

Cinnamon

Just a teaspoon adds warmth without making the bread taste like cinnamon bread.

Semi-Sweet Chocolate Chips

Chocolate chips distribute evenly throughout the loaf, giving you chocolate in every bite.

Chopped Milk Chocolate

The chopped chocolate melts differently than chips, creating larger pools of chocolate that mimic the chocolate in a traditional s'more.

Mini Marshmallows

Mini marshmallows toast more evenly than large marshmallows and cover the loaf beautifully.

Graham Cracker Crumbs

The final sprinkle of graham cracker crumbs is what truly ties everything together. Without them, it tastes like chocolate banana bread. With them, it unmistakably tastes like a s'more.

How to Make S'mores Banana Bread

Step 1: Prepare Your Loaf Pan

Preheat the oven to 350°F.

Grease an 8½ x 4½-inch loaf pan and line it with parchment paper, leaving some overhang on the sides for easy removal.

Step 2: Mix the Wet Ingredients

Whisk together the melted butter, brown sugar, and granulated sugar until smooth.

Add the eggs one at a time, then whisk in the vanilla. Finally, stir in the mashed bananas.

The batter will look slightly lumpy because of the bananas, and that's exactly what you want.

Step 3: Combine the Dry Ingredients

In another bowl, whisk together:

flour
baking soda
baking powder
salt
cinnamon

This helps evenly distribute the leavening before it reaches the wet ingredients.

Step 4: Make the Batter

Add the dry ingredients to the wet ingredients and stir just until no streaks of flour remain.

This is one of the biggest places home bakers accidentally go wrong. Overmixing develops the gluten in the flour, which can make banana bread tough instead of soft.

Once the flour disappears, stop mixing. Fold in the chocolate chips and chopped chocolate.

Step 5: Bake

Transfer the batter to the prepared loaf pan and smooth the top. Bake for 45 minutes.

Step 6: Add the Marshmallows

Remove the loaf from the oven. Scatter the mini marshmallows evenly across the top.

Return the loaf to the oven for another 10 to 15 minutes, or until a toothpick inserted into the center comes out with a few moist crumbs.

If you add the marshmallows at the beginning, they'll simply melt into the batter instead of creating that classic toasted topping.

Step 7: Finish Like a S'more

For an extra toasted finish, place the loaf under the broiler for 30 to 60 seconds. Watch it carefully because marshmallows can go from perfectly golden to burnt in seconds.

While the loaf is still warm, sprinkle chopped milk chocolate over the marshmallows.

The residual heat melts the chocolate just enough that you can gently spread it for an even more decadent topping.

Finish everything with crushed graham cracker crumbs.

My Best Tips for the Perfect Banana Bread

Use a kitchen scale if possible.

Banana bread is forgiving, but flour is one ingredient that's easy to overmeasure. Too much flour creates a dry loaf.

Don't overbake.

The loaf should still have a few moist crumbs on the toothpick when you remove it.

Because it's filled with bananas and chocolate, it continues baking as it cools.

Let it cool before slicing.

This is probably the hardest step.

Fresh banana bread is fragile, and slicing it too early can cause it to fall apart. Waiting about 30 minutes gives the crumb time to set while keeping the chocolate perfectly melty.

Variations

Peanut Butter S'mores Banana Bread

Swirl peanut butter into the batter before baking.

Nutella S'mores Banana Bread

Add spoonfuls of Nutella throughout the batter.

Dark Chocolate Version

Swap the milk chocolate for dark chocolate chunks.

Stuffed S'mores Banana Bread

Add a layer of marshmallow fluff and chocolate to the center of the loaf before baking for an extra gooey surprise.

How to Store Banana Bread

Room Temperature

Store covered at room temperature for up to 3 days.

Refrigerator

Store in an airtight container for up to 5 days.

Freezer

Wrap individual slices tightly and freeze for up to 2 months.

Warm in the microwave for 15–20 seconds before serving.

Frequently Asked Questions

Can I use frozen bananas?

Yes! Thaw them completely and drain any excess liquid before mashing.

Why add the marshmallows halfway through baking?

If they're added at the beginning, they'll melt into the batter and disappear. Adding them near the end creates the signature gooey s'mores topping.

Can I use mini chocolate chips instead of chopped chocolate?

Absolutely. Chopped chocolate creates larger melty pockets, but chocolate chips work well too.

more s'mores desserts to try

If you make this S'mores Banana Bread, I would really appreciate a comment and rating down below, under the recipe card. Don’t forget to take a picture and tag me over on Instagram, Tik Tok, or Pinterest. For more ideas, check out my Dessert Recipes page.

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