Using ripe bananas: Bananas must be very overripe — the peel should be heavily spotted and the fruit soft. If not ripe enough, roast bananas at 300°F for 15–20 minutes to concentrate the sugar.
To keep chips from sinking: Toss chocolate chips in a tablespoon of flour before folding into the batter.
For maximum moisture: Once cooled, wrap the loaf tightly in plastic wrap and let it sit overnight. The moisture redistributes evenly and the texture is noticeably better by morning.
Variations: Use dairy-free butter and chocolate chips for dairy-free. Substitute 1:1 gluten-free flour blend for gluten-free. Add 1/2 cup toasted walnuts or pecans for crunch. Swirl in peanut butter or Nutella before baking for a fancy version.