- 2 cups oats
- 1 cup all-purpose flour
- 1/3 cup brown sugar
- 3 tablespoons ground cinnamon
- 1 teaspoon salt
- 1 teaspoon baking powder
- 1 1/2 cups milk
- 1/2 cup unsweetened applesauce
- 6 tablespoons honey
- 1/4 cup peanut butter
- 1 tablespoon vanilla extract
- 2 eggs, beaten
- 3 ripe bananas, mashed
- 1/4 cup milk chocolate chips
- 1/4 cup semisweet chocolate chips
- 1 teaspoon all-purpose flour, or as needed
- Preheat oven to 375 degrees F (190 degrees C). Grease an 8-inch square baking pan.
- Combine oats, 1 cup flour, brown sugar, cinnamon, salt, and baking powder together in a bowl. Beat milk, applesauce, honey, peanut butter, and vanilla extract together in a large bowl until smooth; add eggs and mix well. Mix oats mixture into milk mixture until batter is just combined; stir in bananas. Pour 1/2 of the batter into the prepared baking pan.
- Bake in the preheated oven until partially cooked, about 5 minutes. Remove pan from oven and cool completely.
- Mix milk chocolate chips, semisweet chocolate chips, and 1 teaspoon flour together in a bowl until chips are coated in flour, adding more flour if needed. Spread coated chips over the cooled loaf and top with remaining batter.
- Bake in the oven until loaf is cooked through and lightly browned on top, 35 to 45 minutes.