Banana Oatmeal Chocolate Chip Muffins


No matter what season we are in or what day of the week it is, these banana oatmeal chocolate chip muffins are always a welcome treat. I know, a mouthful right! I did not want to leave any of these yummy key ingredients out. In my opinion they all shine in this recipe, like a well played orchestra! Pairing them all together truly has them singing in harmony.

There is no baking challenge required here and you will find them quite easy to make. With just a few simple steps and with ingredients we usually have on hand, you’ll be well on your way to making these deliciously moist and cake-like muffins for your family.

chocolate oatmeal banana muffins

Consequently, my family simply adores bananas! We literally go through about 2 dozen bananas a week. I kid you not!

Overly ripe bananas, with brown speckled skin, are simply the best for baking so be sure to use really ripe ones as they yield a more intense banana flavor. Whenever I have to many over ripe bananas, I like to freeze them, skin intact, in a resealable freezer bag ready for whenever the baking bug hits. Which is quite often in my case!


I used my mini processor to grind my rolled oats till fine. You can however use them whole for a chewier texture.


Initially, I wanted to use chocolate chunks, however after testing the recipe a few times I settled on mini chocolate chips for an even distribution of chocolate. The heavier chocolate chunks tended to settle mostly at the bottom of the muffin. I did however top the muffins with the bigger chocolate chunks, just before baking to give them a little extra love!


It bears mentioning that sour cream really does lend some extra moistness to these muffins, however, it is interchangeable with plain yogurt and also buttermilk for some extra tang!

chocolate oatmeal banana muffins

Also noteworthy is this really wonderful streusal topping which I slightly tweaked from an older post of Raspberry Crumb Muffins. I added rolled oats for an extra crumbly texture and substituted golden brown sugar for the granulated sugar. It worked out beautifully. And, as an added bonus, this streusal topping can be made in advance and chilled till ready to use. Any leftover topping can be refrigerated for a couple of weeks.


Enjoy these banana oatmeal chocolate chip muffins for breakfast, brunch, potlucks or for just about anytime of the week! I am sure they will soon become a family favorite!

Banana Oatmeal Chocolate Chip Muffins
Deliciously moist banana oatmeal chocolate chip muffin with a crumbly streusel topping.
Recipe type: Muffin
  • ⅓ cup flaked rolled oats
  • ½ cup all-purpose flour
  • ½ cup golden brown sugar
  • 4 tablespoons unsalted butter
  • 4 tablespoons unsalted butter, softened
  • ½ cup sugar
  • 1 teaspoon vanilla extract
  • 1 cup all-purpose flour
  • ¾ cup ground oat flakes
  • 1 teaspoon baking powder
  • ½ teaspoon baking soda
  • 1 large egg
  • ½ cup sour cream
  • ¾ cup semi-sweet mini chocolate chips
  • 3 ripe bananas (peeled and mashed)
  1. Streusel Crumb Topping
  2. Place all ingredients for the streusel topping in a small bowl. Use your hands to work the dry ingredients with the butter till they resemble crumb like morsels.
  3. Chill till ready to use.
  4. Muffins
  5. Preheat the oven to 350 degrees F.
  6. In a medium size bowl, whisk together the all purpose flour, ground oats, baking powder and the baking soda and set aside.
  7. Grease a 12 cup muffin pan or line with paper muffin cups.
  8. In a large bowl, cream together the butter, sugar and the vanilla.
  9. Mix in the egg until combined.
  10. Mix in ¼ cup of sour cream and half the flour mixture.
  11. Repeat with the remaining sour cream and then the remaining flour.
  12. Fold in the mini chocolate chips and the mashed bananas.
  13. Divide the batter equally among the 12 muffin cups. ( I used an ice cream scoop)
  14. Top each muffin with a heaping tablespoon of the prepared crumb mixture.
  15. Bake for 25 minutes to 30 minutes, or just until a toothpick inserted in the middle comes out clean.
  16. If you are not using the paper liners be sure to let the muffins cool for about10 minutes before releasing them from the pan.





  1. Thanks Marisa, I plan on making your biscotti in the next couple of weeks.

  2. The muffins sound wonderful. I like how they are both healthy and tasty.

  3. I love this recipe Marisa and now I need another coffee because these muffins are make me hungry! 😀 Enjoy the rest of the weekend! 🙂

  4. My son’s absolute favorite muffins are banana chocolate chip- I love the idea of adding oatmeal. These look amazing!!

  5. I love the use of oats here. The muffins look so good! 🙂

  6. Marisa these muffins looks so delicious….If only I had one with my afternoon coffee! Bananas, chocolate…a perfect pair.

  7. Not only beautiful muffins – but so flavorful! Banana and chocolate chips are probably my favorite muffins – love the crumbly top too….perfect in every way! 🙂

  8. These look heavenly! I love banana muffins, and does anything beat a crumb topping?!

  9. Terrific muffin recipe and I so welcome the little tips that make them turn out perfectly!

  10. Great job, beautiful colors and very informative for beginners. Keep up the good work!!

  11. I’m looking at these pictures and my mouth is watering. Love banana with chocolate in baked goods and these certainly would quench that craving. This is one of those recipes that after I make a batch, I’ll bag most of them and stick them in the freezer — the one in the basement where there’s little chance of me grabbing one at midnight. 🙂

    • Lol…. John I understand all too well! I avoid temptation by bringing baked goodies to work when I can pry them away from my husband of coarse! Thanks for dropping by!

  12. Very tasty recipe. Thank you!

  13. Such yummy looking muffins!

  14. Love these muffins Marisa! Bananas, oats and chocolate, plus a streusel topping…I am going to make them for sure! 😊

  15. I’m a big proponent of oats in baking, and I particularly like how you ground them up to vary the texture a little. And who doesn’t love banana and chocolate, right? Wonderful looking muffins – and streusel to boot! Yum!

  16. look out breakfast! These look really yummy and I know my kids would be all over them.

  17. I made these for our camping trip! I wanted to say, SO GOOD. I will be stocking the freezer with these for easy school snacks! ❤

    • I am so happy to hear that you enjoyed them Renee! And yes freezing them is a great idea for grab and go snacks! Thanks so much for the update, very much appreciated😊

  18. How did I miss these Marisa? These muffins look like they came from a professional bakery. We love bananas too but not two dozen a week! More like 6 and I still get a couple for the freezer occasionally which I’ll be pulling out to make these beautiful muffins