3 medium overripe bananas (about 1 cup mashed) – the darker the peel, the sweeter and moister the loaf
½ cup unsalted butter, melted and cooled – adds rich flavor and tender texture
¾ cup packed light-brown sugar – provides moisture and caramel notes
¼ cup granulated sugar – balances sweetness and aids browning
2 large eggs, room temperature – give structure and lift
1 teaspoon pure vanilla extract – deepens overall flavor
1 ¾ cups all-purpose flour, spooned and leveled – forms the batter base
1 teaspoon baking soda – reacts with banana acidity for proper rise
½ teaspoon fine sea salt – sharpens and balances sweetness
½ teaspoon ground cinnamon (optional) – adds warm spice
¾ cup semi-sweet chocolate chips (tossed with 1 teaspoon flour) – stay suspended and melt into gooey pockets
2 tablespoons extra chocolate chips – sprinkle on top before baking for a bakery look