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Banana Cream Cheese Muffins

vstayton 0

Overripe bananas? Perfect! Try this mouth-watering idea: Cream cheese filled banana muffins. These muffins are easy to make and help you use up those over-ripe bananas. Let’s face it none of us can afford to just throw food away and be wasteful.

On the occasion when a couple of bananas over-ripen in our home I don’t always want to stop and make banana bread or something. So, what I do is put them in a quart size freezer bag, and pop them in the freezer. When I pull them out of the freezer I just let it thaw enough for the peel to come off easily and place the banana in a bowl to finish thawing. 



  • large egg
  • light brown sugar
  • granulated sugar
  • butter, softened
  • sour cream (or Greek yogurt)
  • vanilla extract
  • bananas
  • all-purpose flour
  • baking soda
  • baking powder
  • (Favorite nuts if you want)

Cream Cheese Filling

  • large egg
  • cream cheese, softened
  • granulated sugar
  • tsp vanilla
  • all-purpose flour

Crumb topping

  • packed brown sugar
  • all-purpose flour
  • ground cinnamon
  • butter

How to Make

In the mixing bowl, you will first want to whisk together the butter, eggs, sugar, vanilla, and sour cream. Then, add the two bananas, mashed or you can do like I did and just use a hand mixer or make this in your stand mixer.

Once blended thoroughly, add in the flour, baking powder, baking soda, and gently stir until it is all well blended. Now preheat the oven to 350℉, and set the batter aside while you prepare the cream cheese filling and crumble topping. 

For the cream cheese you simply combine the cream cheese filling with the egg, vanilla, sugar, and flour in one of your small mixing bowls. Then, mix until it is smooth and lump free.

Now, in another small mixing bowl, you will prepare your crumble topping. Use a fork to mix together the butter, cinnamon, sugar, and flour until it is a crumbly consistency. 

To create these heavenly, layered muffins you simply add a scoop of the banana batter, followed by a teaspoon of the cream cheese, and topped with another layer of banana batter for each muffin.

I tried to create a little dimple in the bottom of the muffin layer to place the cream cheese into. Now, sprinkle the crumble topping on to the top of each muffin and you are set.  

Once you have the pan filled, it’s time to slide them in the oven. You will bake these for 20-25 minutes or until a toothpick inserted in the center comes out clean.

Let them cool for 15 minutes and enjoy these irresistible muffins. 

Process Shots and video

A banana cream cheese muffin
A banana cream cheese muffin sliced in half.

Cream Cheese Filling

This is the cream cheese filling recipe I use in all my muffins. It’s perfect for everyone’s fall favorite, pumpkin spice muffins, blueberry muffins, carrot cake muffins, and more.

There are so many variations you can make with this recipe by changing up the batter type, changing the filling or omitting it completely, crumbles on top or not, with or without nuts.  

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    Banana Cream Cheese Muffins

    Banana muffins filled with cream cheese
    Prep Time 20 mins
    Cook Time 20 mins
    Total Time 35 mins
    Course Dessert
    Servings 12 muffins


    • 1 Medium mixing bowl
    • 2 Small mixing bowl
    • 1 Muffin pan



    • 1 egg large egg
    • ½ c light brown sugar
    • ¼ c granulated sugar
    • ½ c butter, softened
    • ¼ c sour cream ( or Greek yogurt)
    • 1 tsp vanilla extract
    • 2 bananas
    • 1 c all-purpose flour
    • ½ tsp baking soda
    • ½ tsp baking powder
    • optional to add your favorite nuts

    Cream Cheese Filling

    • 1 egg large egg
    • 4 oz cream cheese, softened
    • c granulated sugar
    • ¼ tsp vanilla
    • 3 tbsp all-purpose flour

    Crumb topping

    • C packed brown sugar
    • 2 Tbsp all-purpose
    • tsp ground cinnamon
    • 1 Tbsp butter



    • Preheat oven to 350 degrees and pick your muffin pan (silicone or regular with liners.
    • In a medium size mixing bowl whisk together the eggs, sugars, butter, vanilla, and sour cream.
    • Mash the two bananas and add to the mixture.
    • Now add the flour, baking powder, baking soda and mix lightly to combine. Then set aside.

    Cream Cheese Filling

    • In your small mixing bowl, combine the egg, sugar, cream cheese, vanilla, and flour together.

    Crumble topping

    • In another small bowl, combine together the butter, cinnamon, sugar and flour. Use a fork to mix it together well until it forms a crumbly texture.

    Build the muffins

    • Layer of muffin mixture in the bottom of each muffin tin, then a spoon full of filling, topped off by another layer of muffin mix.
    • Top off each muffin with crumble mixture.
    • Place in the oven for 20-25 minutes (baking times may vary). A toothpick inserted in the center will come out clean when they are done.
    • Cool for 15 minutes and enjoy!!


    •  You can substitute Greek yogurt for the sour cream
    •  You can omit the crumble topping and they are still amazing with the cream cheese filling.
    • You could also add your favorite nuts to the batter mix and or topping.

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