Soft, sweet, and swirled with creamy cinnamon goodness, this keto banana bread is the low-carb comfort you’ve been craving. No strange textures. No fake banana flavor. Just a fluffy, moist loaf made with almond flour, real banana, and a swirl of sweet cream cheese that melts in your mouth. Great for breakfast, snacks, or even part of your keto-friendly dinner.
Bread batter:
3 large eggs
1/2 cup mashed ripe banana (about 1 medium banana)
1/2 cup almond flour
2 tablespoons coconut flour
1/3 cup granulated monk fruit or erythritol
1 teaspoon vanilla extract
1/2 teaspoon baking soda
1/2 teaspoon baking powder
1/4 teaspoon ground cinnamon
Pinch of salt
Cream cheese swirl:
4 oz cream cheese, softened
1 egg yolk
2 tablespoons powdered monk fruit or erythritol
1/2 teaspoon vanilla extract
Optional topping:
1 tablespoon almond flour
1 tablespoon monk fruit
1/2 teaspoon cinnamon
2 tablespoons chopped pecans (optional)
Preheat oven to 350°F (175°C). Line a loaf pan with parchment paper or grease with butter.
In a bowl, mash banana and mix in eggs, vanilla, and granulated sweetener.
In another bowl, stir together almond flour, coconut flour, baking soda, baking powder, cinnamon, and salt. Combine with the wet mixture until just mixed.
In a small bowl, beat together cream cheese, egg yolk, powdered sweetener, and vanilla until smooth.
Pour half the batter into the loaf pan. Add half the cream cheese mixture in dollops and gently swirl with a knife. Repeat with the rest of the batter and cream cheese.
(Optional) Sprinkle the cinnamon-pecan topping evenly over the top.
Bake for 40–45 minutes until golden brown and a toothpick comes out mostly clean.
Cool 15 minutes in the pan, then lift out and cool completely before slicing.
Want it nut-free? Swap almond flour for sunflower seed flour.
Freezes well for up to 2 months—slice before freezing for easy grabs.
Tastes even better the next day after chilling in the fridge.