Prep Time 15 minutes mins
Cook Time 1 hour hr
Resting Time 20 minutes mins
Total Time 1 hour hr 35 minutes mins
For best results, use bananas that are heavily speckled or almost black, as they add more sweetness and moisture to the bread; ensure all dairy ingredients are at room temperature so the batter and filling combine smoothly without lumps; avoid overmixing once the dry ingredients are added to keep the crumb tender; always test doneness at the edges so the cream cheese center doesn’t mislead you into thinking the bread is underbaked; and for cleaner slices and a more pronounced cream cheese layer, let the loaf cool completely or even chill briefly before cutting with a sharp knife.