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This Oat Flour Banana Bread is moist, sweet, and wholesome, made with oat flour, coconut sugar, and coconut oil. Studded with chocolate chips, it’s the perfect on-the-go snack or sweet afternoon treat.

Whenever I have overripe bananas sitting in the fruit bowl, I know it’s time to bake up some banana bread. It’s a classic for a reason: this simple loaf cake is quick to make, and my kids love it with some cinnamon toast crunch milkshake! This version uses oat flour in place of white wheat flour for a whole grain twist that adds extra fiber while still yielding a soft, fluffy texture.
Looking for more ways to use oat flour? Try my recipes for Healthy Lemon Loaf and Banana Oat Pancakes.
Recipe Overview
Ingredients Needed
Below are the ingredients you’ll need to make Oat Flour Banana Bread. The full quantities can be found in the recipe card further down the post.

- Bananas: Overripe bananas add natural sweetness, moisture, and that signature flavor to the banana bread.
- Coconut sugar: Naturally sweetens the banana bread and adds a caramelized flavor. You can also use light brown sugar instead.
- Coconut oil: Brings moisture and a light, coconutty flavor to the banana bread. You can also use olive oil or melted butter, if you prefer.
- Eggs: Bind the batter and help the banana bread to rise, giving it a light, spongy texture.
- Pantry Staples: Vanilla extract, Baking powder, baking soda, and Salt.
- Oat flour: This fine, whole-grain flour is simply made from milled oats. It’s higher in fiber than white flour but makes baked goods that are lighter than those made with whole wheat flour.
- Chocolate chips: An optional extra to fold into the banana bread to give it a sweeter, more dessert-like flavor. I like to use dark or sugar-free chocolate chips, but go with whichever you prefer.
How to Make Oat Flour Banana Bread
Before you start: Preheat oven to 350°F. Grease an 8×4-inch loaf pan with cooking spray and line with a piece of parchment paper.
Step 1: Add the mashed ripe bananas, eggs, coconut oil, vanilla, and sugar to a medium bowl. Mix well to combine. Set aside.
Step 2: In a separate bowl, mix the dry ingredients: oat flour, baking powder, baking soda, and salt.

Step 3: Pour the dry ingredients over the wet ingredients. Using a spatula, mix to incorporate.
Step 4: Fold in the chocolate chips, if using. Pour into the prepared loaf tin and sprinkle extra chocolate chips on top, if you like.

Step 5: Bake for 55-60 minutes, or until a toothpick inserted into the center comes out clean. Let cool for 10 minutes before removing from the pan to cool completely.
Variations & Tips
- Peanut Butter Banana Bread: Swirl 2-3 tablespoons of natural peanut butter into the batter just before baking.
- Don’t have any oat flour? Make it yourself by blending rolled oats in a high-speed blender or food processor until broken down into a flour-like consistency. Here is how to make oat flour if you aren’t sure.
- Try folding in chopped walnuts or pecans, or shredded coconut for some crunch.
- Sprinkle the top of the batter in the loaf pan with a little extra coconut sugar for a nice, crunchy crust.
- If you don’t have any ripe bananas, you can roast yellow bananas (in their peels) on a tray at 350F for 20-30 minutes until blackened to use instead.
- As bananas vary in size, I like to measure the mashed banana before adding it to the batter. You need around 1 cup of mashed banana for this recipe.

Common Questions
Let it cool, then store in an airtight container at room temperature for 5-7 days.
Yes! Banana bread freezes really well. Let cool, then wrap in plastic wrap and foil. Freeze for up to 3 months. Thaw at room temperature before eating.
Let the banana bread cool fully, then store it in an airtight container (or wrap it tightly in plastic wrap) and keep it at room temperature. Putting banana bread in the fridge will make it last longer, but will cause it to dry out more quickly.
While oats are a gluten-free grain, they are often contaminated with gluten-containing grains, such as wheat, during processing. Therefore, if you need this recipe to be gluten-free, make sure you’re using a certified gluten-free oat flour.

You may also like
- Banana Oat Protein Muffins
- Pumpkin Banana Bread
- Cottage Cheese Banana Loaf
- Greek Yogurt & Banana Nut Bread
- Blueberry Banana Bread
- 3-Ingredient Banana Cookies
- Banana & Chocolate Bread Pudding
- Banana Protein Doughnuts
Thank you so much for being here and for cooking along with me. If you try this recipe, I’d love to hear how it turned out. Leave a comment and rating below.
Oat Flour Banana Bread

Ingredients
- 3 large ripe bananas, mashed, (1 cup)
- ½ cup coconut sugar or brown sugar
- ⅓ cup coconut oil, melted
- 3 medium eggs, or 2 large
- 2 teaspoons vanilla extract
- 2 cups oat flour
- 2 teaspoons baking powder
- 1 teaspoon baking soda
- ¼ teaspoon salt
- ⅓ cup dark chocolate chips, optional or chopped walnuts
Instructions
- Preheat oven to 350°F. Grease an 8×4-inch loaf pan with cooking spray and line with a piece of parchment paper.
- Add the 3 large ripe bananas (mashed), ½ cup coconut sugar or brown sugar, ⅓ cup coconut oil (melted), 3 medium eggs, and 2 teaspoons vanilla extract in a medium bowl. Mix well to combine. Set aside.

- In a separate bowl, mix the dry ingredients: 2 cups oat flour, 2 teaspoons baking powder, 1 teaspoon baking soda, and ¼ teaspoon salt.

- Pour the dry ingredients over the wet ingredients. Use a spatula to mix until no floury patches remain.

- Fold in the ⅓ cup dark chocolate chips, if using. Pour into the prepared loaf pan and sprinkle a few more chocolate chips on top, if you like.

- Bake for 55-60 minutes, or until a toothpick inserted into the center comes out clean. Let cool for 10 minutes before removing from the pan to cool completely.

Notes
Storage:
- Let cool, then store in an airtight container at room temperature for 5-7 days.
- Freeze: Let cool, then wrap in plastic wrap and foil. Freeze for up to 3 months. Thaw at room temperature before eating.
Nutrition
Nutrition information is automatically calculated, so should only be used as an approximation.





