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Preheat the oven to 350 F. Lightly grease an 8” or 9” loaf pan with cooking spray or oil and line with parchment paper, leaving a slight overhang for easier removal.
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In a large bowl whisk together the milk and vinegar and let it sit for 5 minutes, until the mixture curdles. Add in the mashed banana, both of the sugars, melted butter (or coconut oil) and vanilla, and mix until combined.
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In a medium bowl, whisk together the flour, baking powder, baking soda and cinnamon.
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Carefully add in the dry ingredients with the wet ingredients and stir / mix until the mixture just combined.
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Fold in the chocolate chips, being careful not to over mix.
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Transfer the batter into the loaf pan, smoothing out the batter.
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Slice the reserved banana (with the peel still on) in half, lengthwise, then peel the banana. Sprinkle the cut / interior sides of the banana with a little bit of coconut sugar / brown sugar. Gently arrange the banana slices, sugared side up, on top of the batter. (This may create a dome in the middle of the bananas, where the batter bunches up in the middle. Use a spoon to move some of the batter around the pan so that the bread doesn’t bake unevenly).
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Sprinkle the top evenly with a little bit more chocolate chips.
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Bake in the preheated oven for 63-68 minutes, or until a toothpick comes out clean and the top of the bread is slightly brown (start checking at 50 minutes to make sure).
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Remove the loaf pan from the oven, and allow the bread to cool in the pan for at least 20-30 minutes. Use the parchment paper to remove the bread from the pan and cut into slices. Serve and enjoy.