Welcome to a dessert experience that promises to elevate your taste buds beyond the ordinary: our exquisite three-layer banana cake with luscious chocolate cream cheese frosting. Forget everything you thought you knew about banana desserts; this is not your typical dense banana bread. Instead, prepare for a remarkably light, fluffy, and incredibly moist cake that combines the comforting sweetness of ripe bananas with the irresistible richness of chocolate. If the classic pairing of chocolate and banana makes your heart sing, then this cake is destined to become your new favorite indulgence.

While banana bread holds a special place in our hearts for breakfast and casual snacking, this banana cake transforms those beloved flavors into a truly decadent dessert masterpiece. It’s crafted to be distinctly light and airy, offering a delightful contrast to the heavier, more compact texture often found in traditional banana treats. This recipe celebrates the harmonious blend of sweet bananas and decadent chocolate, creating a memorable cake that’s perfect for any occasion, from intimate gatherings to grand celebrations. Prepare to impress your guests and satisfy every sweet craving with this exceptional banana cake recipe.
Why This Banana Cake Recipe Stands Out
Banana bread has long been cherished as a staple, and for good reason. Its comforting aroma and satisfying taste are universally loved. We believe this banana cake deserves a similar esteemed position among the finest desserts. Here’s why this particular recipe will quickly become a favorite in your baking repertoire:
- Unmatched Moistness: The hallmark of an exceptional cake is its texture, and this banana cake truly excels in delivering a soft, incredibly moist crumb. Much like the beloved banana bread, it achieves that perfect level of moisture that keeps every bite tender and flavorful. Say goodbye to dry, crumbly cakes; this recipe ensures a delightful, melt-in-your-mouth experience that will have everyone reaching for a second slice. The secret lies in the careful balance of ingredients, including mashed bananas and sour cream, which contribute to its consistently tender and succulent structure.
- The Irresistible Duo of Banana and Chocolate: Some flavor pairings are simply iconic, and banana with chocolate is undoubtedly one of them. If you’ve ever experienced the joy of chocolate-dipped bananas or a warm banana and chocolate fondue, you’ll understand the magic that happens when these two ingredients come together. The natural sweetness and subtle fruitiness of the banana are perfectly complemented by the rich, slightly bitter notes of the chocolate cream cheese frosting. This creates a symphony of flavors that is both comforting and sophisticated, making it an instant crowd-pleaser that appeals to both classic and adventurous palates.
- Surprisingly Simple to Prepare: Despite its impressive appearance and gourmet taste, this banana cake is designed to be incredibly approachable for home bakers of all skill levels. You won’t need any specialized techniques or obscure ingredients to achieve stunning results. The cake batter comes together easily, and the chocolate cream cheese frosting is a breeze to whip up. We’ve streamlined the process to ensure that even those new to baking can create a show-stopping dessert with confidence and ease. It’s a straightforward recipe that delivers extraordinary flavor without the fuss.
This cake is more than just another dessert; it’s an experience. It offers a refreshing departure from the usual chocolate or vanilla options, providing a unique yet familiar flavor profile that your family and friends will undoubtedly adore and remember long after the last crumb is gone. It strikes the perfect balance between novelty and classic comfort, ensuring it earns its place as a cherished recipe for all your special moments.

Essential Baking Tips for Perfect Banana Cake with Chocolate Frosting
Achieving a perfectly moist and flavorful banana cake, especially one topped with rich chocolate frosting, involves a few key techniques. Follow these expert tips to ensure your cake turns out flawlessly, just like our recipe. For even more detailed guidance on perfecting your chocolate cream cheese frosting, be sure to check out our dedicated post.
- Accurate Flour Measurement is Crucial: One of the most common reasons for a dry cake is incorrectly measured flour. To avoid compacting the flour and adding too much, always use the “spoon and level” method. Instead of scooping your measuring cup directly into the flour bag, gently spoon the flour into your measuring cup until it overflows, then level it off with a straight edge, like the back of a knife. This ensures you get the precise amount needed for that desirable moist texture.
- Thorough Pan Preparation: To prevent your beautiful cake layers from sticking and tearing, be meticulous with your nonstick baking spray. Ensure every inch of the pan’s interior is coated, leaving no spots missed. It’s also vital to use baking spray *with flour*, not just a regular cooking spray, as the added flour creates a superior non-stick barrier. Lining the bottom of your pans with parchment paper circles further guarantees easy release and perfect layers.
- Mash Bananas Until Smooth: The key to a smooth, uniform cake batter is well-mashed bananas. Lumpy banana pieces, while delicious in banana bread, can create pockets of unbaked fruit in a cake, affecting its texture and structure. Aim for a consistently smooth, creamy banana puree with no visible chunks before incorporating it into your batter. Overly ripe bananas (with brown spots) are ideal for this, as they are naturally sweeter and easier to mash.
- High-Altitude Adjustments: Baking at higher altitudes often requires slight modifications to recipes due to differences in air pressure. If you’re baking in a high-altitude area, add an extra 2 to 3 tablespoons of all-purpose flour to the cake batter. This adjustment helps to strengthen the cake’s structure, preventing it from collapsing or becoming too crumbly, ensuring your banana cake remains perfectly stable and moist.
- Room Temperature Dairy and Eggs: For both the cake batter and the frosting, ensuring your butter, cream cheese, sour cream, milk, and eggs are at room temperature is paramount. Cold ingredients don’t emulsify properly, leading to a lumpy batter or frosting that may “split” or separate. Room temperature ingredients blend together smoothly, creating a uniform mixture that bakes evenly and results in a light, airy cake and a silky, stable frosting. Plan ahead by taking these ingredients out of the fridge at least one to two hours before you begin baking.




Step-by-Step Guide to Assembling Your Moist Banana Cake
Assembling a layered cake can seem daunting, but with a few simple techniques, you’ll create a professional-looking dessert. Prior to starting, ensure your workspace is clean, clear, and organized. If you own a cake turntable, this is the perfect time to use it, as it greatly facilitates even frosting application on all sides of the cake. An offset spatula will also be your best friend for smooth spreading.
First and foremost, inspect your cooled cake layers. It’s common for cakes to bake with a slight dome on top. To ensure a stable and level finished cake, use a serrated knife or a specialized cake leveler to carefully trim off any domed tops, making each layer perfectly flat. This crucial step prevents your cake from leaning or becoming uneven once frosted.
Once your first cake layer is securely placed on your cake board or serving platter (a small dab of frosting underneath helps to anchor it), spread approximately 1 cup of your rich chocolate cream cheese frosting evenly over the surface. Don’t worry if a little frosting spills over the edges at this stage; it will be smoothed out when you apply the outer crumb coat. The key is to ensure the frosting extends all the way to the edges of the cake layer, providing a consistent filling.

After frosting the second layer in the same manner, it’s time for a professional trick when adding the final cake layer. Place the third layer upside down, so the perfectly flat bottom of the cake faces upwards. This method guarantees the flattest possible top surface for your cake, providing an ideal canvas for your final frosting layer. Gently set it onto the frosting, pressing down lightly but firmly to ensure it’s level and stable, preventing any tilting.
Now, it’s time for the crucial “crumb coat.” Apply a very thin, light layer of frosting over the entire cake – top and sides. This initial layer will undoubtedly pick up loose crumbs, which is exactly its purpose. Once covered, place the cake in the freezer for about 15-20 minutes, or in the refrigerator for 30 minutes, until this crumb coat is firm and set. This chilling process effectively “locks in” all the crumbs, creating a smooth, stable foundation. After chilling, you can then apply your final, thicker layer of frosting, achieving a pristine, crumb-free finish that looks bakery-perfect.

Frequently Asked Questions About Our Banana Cake
Here are answers to some common questions you might have about making and storing this delicious banana cake with chocolate frosting:
Can the cake layers be prepared in advance?
Absolutely! Preparing the cake layers ahead of time is a fantastic way to streamline your baking process, especially when hosting or for busy schedules. Once your cake layers have completely cooled to room temperature, wrap each layer tightly and individually in plastic wrap, ensuring no air can get in. You can then store them in the freezer for up to 30 days. When you’re ready to assemble and decorate, simply pull them out about one hour before you plan to frost, allowing them to thaw at room temperature. This method ensures fresh-tasting cake without the last-minute rush.
Can I use different sized cake pans for this recipe?
Yes, you can certainly adjust the pan size! If you opt for two 9-inch cake pans instead of the recommended 8-inch pans, your cake layers will be a bit thinner, and the baking time might be slightly reduced. Conversely, if you prefer thicker, more substantial layers, you can use three 6-inch cake pans. Just remember to monitor your cakes closely as baking times will vary depending on the pan size and the thickness of the batter in each pan. Always perform the toothpick test to ensure they are fully baked.
Can this banana cake recipe be made into cupcakes?
Yes, this versatile recipe adapts beautifully to cupcakes! This recipe yields approximately 24 delightful banana cupcakes topped with chocolate frosting. When baking as cupcakes, line your muffin tins with paper liners and fill each about two-thirds full with batter. The baking time will be significantly shorter, typically ranging from 18 to 22 minutes. Keep an eye on them and test for doneness with a toothpick. If you only need a smaller batch, you can easily halve the entire recipe to make about 12 cupcakes.
What is the best way to store this moist banana cake?
Proper storage is essential to maintain the cake’s freshness and moisture. Store the assembled banana cake in an airtight container, such as a cake carrier, at room temperature for up to 2 days or in the refrigerator for up to 5 days. Ensure the container is truly airtight to prevent the cake from drying out or absorbing other food odors. For longer storage, individual slices can be frozen. Wrap each slice tightly in plastic wrap, then place them in an airtight freezer-safe container or bag. They will keep well in the freezer for up to 30 days. Thaw individual slices in the refrigerator or at room temperature before serving.

Discover More Irresistible Banana Recipes
If you’ve fallen in love with the comforting flavor of banana in desserts, you’re in luck! We have a delightful collection of other banana-centric recipes that are sure to satisfy. Explore these other fantastic creations:
- Banana Cinnamon Rolls
- Banana Pudding Cheesecake
- Peanut Butter Banana Muffins
- Banana Pudding Cookies
- Banana Blueberry Muffins
We hope you thoroughly enjoy baking and savoring this magnificent banana cake with chocolate frosting. Your feedback means the world to us! If you tried this recipe and loved it, please take a moment to leave a star rating and a review below. We also adore seeing your creations, so don’t forget to tag us on Instagram @stephaniesweettreats. For more delicious inspiration and baking ideas, make sure to follow us on Pinterest.


Moist Banana Cake with Chocolate Frosting
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Ingredients
Banana Cake
- 3 cups All-purpose flour
- 2 tsp Baking powder
- 1/2 tsp Baking soda
- 2 tsp Ground cinnamon
- 1 tsp Salt
- 3/4 cup Unsalted butter, melted and cooled
- 1 cup Brown sugar , packed light or dark
- 1/2 cup White granulated sugar
- 1 tsp Pure vanilla extract
- 1/2 cup Sour cream, room temperature
- 1/2 cup Milk, room temperature
- 3 Large eggs, room temperature
- 3 Bananas, mashed to 1 1/4 cup
Chocolate Cream Cheese Frosting
- 2 cups Unsalted butter, room temperature
- 12 oz Cream cheese, room temperature
- 3 cups Powdered sugar, sifted
- 3/4 cup Unsweetened cocoa powder, sifted
- 1 tsp Pure vanilla extract
Instructions
Banana Cake
- Preheat oven to 350℉. Spray three 8-inch cake pans with nonstick baking spray. Line the bottoms with a parchment paper circle and spray again.
- In a medium bowl, whisk together the flour, baking powder, baking soda, cinnamon, and salt.
- In a separate large bowl, combine the melted butter, brown sugar, and granulated sugar. Add in the vanilla, sour cream, milk, and eggs. Mix until thoroughly combined and smooth.
- Stir in the well-mashed bananas until incorporated. The mixture may appear slightly lumpy due to the bananas, which is normal.
- Gradually add the dry ingredients to the wet ingredients, mixing until just combined. Be careful not to overmix.
- Divide the cake batter evenly between the three prepared cake pans.
- Bake for 27-29 minutes, or until a wooden toothpick inserted into the center of a cake comes out clean.
- Allow the cakes to cool in their pans for 10 minutes before carefully inverting them onto a wire rack to cool completely. Ensure they are fully cooled before decorating.
Chocolate Cream Cheese Frosting
- In a large bowl, sift together the powdered sugar and unsweetened cocoa powder. Set aside. Sifting prevents lumps and ensures a smooth frosting.
- Using an electric mixer, beat the room temperature butter and cream cheese on high speed for 2 minutes until light and fluffy. Scrape down the sides of the bowl with a rubber spatula.
- Reduce mixer speed to low and add half of the sifted powdered sugar mixture, mixing until just combined. Add the remaining powdered sugar mixture and mix on low speed. Finally, add the vanilla extract and increase speed to high, beating until the frosting is creamy, smooth, and well-aerated.
Assembly
- Use a serrated knife to level any domed tops off the cooled cake layers. Place a small dollop of frosting on your cake board or serving platter to secure the first cake layer.
- Place the first cake layer onto the prepared board. Evenly spread about 1 cup of chocolate cream cheese frosting over the top. Repeat with the second cake layer.
- For the final layer, place the cake layer upside down. This uses the flat bottom of the cake as the top, creating a perfectly level surface.
- Apply a very thin “crumb coat” of frosting over the entire cake, filling any cracks on the sides. This locks in loose crumbs. Chill the cake in the freezer for 15 minutes (or fridge for 30 minutes) until the crumb coat is firm.
- Once the crumb coat is set, apply the remaining frosting evenly over the top and sides of the cake, using an offset spatula or bench scraper for a smooth finish.
Notes
High Altitude Baking: For best results in high-altitude environments, add an extra 3 tablespoons of all-purpose flour to the cake batter.
Ingredient Preparation: For optimal mixing and texture, ensure all dairy ingredients (butter, cream cheese, sour cream, milk, eggs) are at room temperature. This usually requires pulling them out of the refrigerator approximately 2 hours before you plan to begin baking.
