Banana Cake With Cream Cheese Frosting

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Soft, moist, and full of real banana flavor—this Banana Cake with Cream Cheese Frosting is perfect for any occasion. The classic flavor and moist texture of the cake, topped with a luscious cream cheese frosting, is sure to please everyone!

A square slice of banana cake with cream cheese frosting sits on a white plate with a fork holding a bite, in front of a pan and another plate with more cake. A dark checkered cloth is underneath the plate.


 

🍰 Whether you’re bringing dessert to a potluck, need a quick weeknight treat, or want to impress guests, this banana cake with cream cheese frosting fits the bill. The generous 9×13 size feeds a crowd, making it ideal for gatherings!

My 2 Best Tips For Making Banana Cake With Cream Cheese Frosting

Let the Milk Sit: Giving the milk 5-10 minutes to react to the lemon juice is one of the keys to this cake being so moist! You can use fresh or bottled lemon juice, or even plain white vinegar. This is basically the homemade sub for buttermilk!

Cool the Melted Butter: We need melted butter for this recipe, but since it’s mixed with the eggs, you’ll want to let the butter cool just enough that it won’t cook the eggs. Since the pan needs oiled or buttered, I just stick the butter in the pan and put it in the oven while the oven is preheating. Pour it out of the pan and into a bowl so it can cool a bit. Now your pan is oiled, too!

Melissa in her kitchen smiling in front of the starting ingredients for the chicken the quinoa salad and skillet chicken on the wood block in front of her

🩷 Melissa

This incredibly moist, easy-to-make cake transforms overripe bananas into a decadent dessert perfect for any occasion!

Instead of throwing away those brown bananas, use them in this cake. Their natural sweetness and moisture create the perfect texture.

The combination of buttermilk (created by curdling milk with lemon juice), melted butter, and mashed bananas ensures this cake stays moist for days. Each bite is perfectly tender with just the right amount of sweetness.

This versatile recipe works beautifully with or without frosting. Add chopped nuts for extra texture, make it dairy-free by substituting oil for butter, or dust with powdered sugar for a lighter finish!

A square slice of banana cake with cream cheese frosting sits on a white plate with a fork holding a bite, in front of a pan and another plate with more cake. A dark checkered cloth is underneath the plate.
No ratings yet

Banana Cake With Cream Cheese Frosting

Soft, moist, and full of real banana flavor—this Banana Cake with Cream Cheese Frosting is perfect for any occasion. The classic flavor and moist texture of the cake, topped with a luscious cream cheese frosting, is sure to please everyone!
Prep: 30 minutes
Cook: 1 hour
Total: 1 hour 30 minutes
Servings: 24 pieces

Ingredients 

For the Cake:

  • 1 1/2 cups milk
  • 2 tablespoons lemon juice
  • 1 1/3 cups mashed ripe bananas, about 3 medium bananas
  • 10 tablespoons unsalted butter, melted
  • 1 1/2 cups granulated sugar
  • 3 large eggs
  • 1 tablespoon vanilla extract
  • 3 cups all-purpose flour
  • 1 1/2 teaspoons baking soda
  • 1/2 teaspoon salt

For the Cream Cheese Frosting:

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Instructions 

  • In a small bowl, combine the milk and lemon juice. Let sit for 5–10 minutes to curdle.
  • In another bowl, mash the bananas until smooth. Set aside.
    A clear glass bowl containing mashed bananas sits on a white surface, with the banana mixture appearing soft and slightly lumpy.
  • In a large mixing bowl, combine the melted butter and sugar. Stir until well combined. Add the eggs one at a time, mixing well after each addition. Stir in the vanilla.
    A glass bowl containing a mixture of wet and dry ingredients, with a cracked egg and a wooden spoon resting inside, on a white surface.
  • In a medium bowl, whisk together the flour, baking soda, and salt.
  • Add 1/3 of the flour mixture to the wet ingredients and stir gently. Add 1/3 of the milk mixture and stir again. Repeat this process two more times, alternating between flour and milk until everything is just combined.
  • Gently fold in the mashed bananas until evenly distributed.
    A glass bowl filled with yellow pancake batter sits on a light surface, with a metal spoon resting inside the bowl.
  • Pour the batter into a well-buttered 9×13-inch baking pan. Bake at 350°F (175°C) for 55–65 minutes, or until the center is set and springs back lightly when touched. Let the cake cool completely before frosting.
    A golden-brown, rectangular loaf of baked banana bread sits in a metal baking pan on a light-colored surface.
  • To make the frosting, in a large bowl, beat the softened cream cheese and butter together until smooth and fluffy.
  • Add the vanilla extract and gradually beat in the powdered sugar until the frosting is smooth and spreadable (start with 3 cups and add more as needed).
  • Spread the frosting over the cooled cake. Slice and enjoy!
    A rectangular cake in a metal pan is topped with a thick layer of swirled white frosting. The pan sits on a dark, checkered cloth against a light surface.

Notes

*This cake is a simple delight that you can make when you have a few ripe bananas but don’t quite want banana bread. 
*I love to take this cake to a pot-luck or picnic because everyone loves it and it’s really simple to make. 
Best Bananas: Choose bananas with plenty of brown spots for maximum sweetness and easy mashing. Slightly overripe bananas actually work best! If your bananas aren’t quite ripe enough, place them in a paper bag for a day or two to speed up the process.
Testing for Doneness: The cake is done when the center springs back lightly when touched and a toothpick inserted in the center comes out clean or with just a few moist crumbs. The cake should also start pulling slightly away from the sides of the pan.
Cool Completely Before Frosting: Even slightly warm cake will melt the cream cheese frosting, creating a mess. Allow the cake to cool for at least 2 hours, or until it’s completely room temperature. For faster cooling, you can refrigerate the unfrosted cake for 30-45 minutes. If dusting with powdered sugar rather than using frosting, it will only need to cool 30 minutes to an hour before dusting.
Recipe Variations:
  • Skip the Frosting: You do not have to frost this cake; it is plenty sweet without the cream cheese frosting. You can just add a dusting of powdered sugar or nothing at all if you prefer, it’s still delicious. Or for a lighter option, try whipped cream or simple buttercream frosting.
  • Add Nuts: You can stir in 1 cup of chopped pecans or walnuts to the batter when you add the bananas if you’d like. Nuts in this cake a delightful. And if you really like nuts you can sprinkle more chopped nuts on top of the frosting if you’d like.
  • Make it Gluten-Free: If you need to make this cake dairy free you can use oil instead of the butter in this recipe, no problem. I haven’t tried it but I have a feeling this cake would lend itself well to being gluten free by using a 1:1 gluten free baking flour. The banana, butter, and eggs would all help the cake to stay moist even when switching flours. I’m going to try it!
 
Storing Leftovers:
  • The cake stays fresh for up to 5 days when stored covered at room temperature (without frosting) or in the refrigerator (with frosting). The high moisture content from the bananas helps it maintain freshness longer than typical cakes.
  • Wrap unfrosted cake tightly in plastic wrap and freeze for up to 3 months. Thaw at room temperature before frosting. You can also freeze individual slices for quick treats later.

Nutrition

Serving: 12 inch square piece, Calories: 297kcal, Carbohydrates: 45g, Protein: 4g, Fat: 12g, Saturated Fat: 7g, Polyunsaturated Fat: 1g, Monounsaturated Fat: 3g, Trans Fat: 0.3g, Cholesterol: 51mg, Sodium: 162mg, Potassium: 95mg, Fiber: 1g, Sugar: 32g, Vitamin A: 411IU, Vitamin C: 1mg, Calcium: 36mg, Iron: 1mg
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Recipe FAQs

Can I use unripe bananas for this cake?

For best results, use very ripe bananas with brown spots. They’re sweeter and mash more easily, contributing to the cake’s moisture and flavor. Unripe bananas won’t provide the same sweetness or texture.

Can I freeze this banana cake?

Yes! Wrap unfrosted cake tightly in plastic wrap and freeze for up to 3 months. Thaw at room temperature before frosting. You can also freeze individual slices for quick treats later.

Why do I need to combine milk and lemon juice?

The lemon juice curdles the milk, creating homemade buttermilk. This acidic mixture activates the baking soda, helping the cake rise properly and adding a subtle tang that balances the sweetness perfectly.

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