As I pulled the cake from the oven, the kitchen filled with a warm, inviting aroma reminiscent of cozy afternoons spent baking with loved ones. This Healthy Banana Oat Flour Cake is not just a treat; it’s an experience that combines the comforting flavors of ripe bananas and a hint of cinnamon. What makes this recipe truly stand out is its wholesome nature—it’s healthy, gluten-free (just grab certified oats!), and naturally sweetened, making it perfect for those who crave a delicious dessert without the guilt. Best of all, it’s incredibly easy to whip up, making it a fantastic choice whether you’re hosting brunch or simply satisfying a sweet tooth. Curious how something so indulgent can also be good for you? Let me share the magic behind this delightful recipe!

Why is this cake so irresistible?
Delicious Flavor: The pairing of sweet bananas and warm cinnamon creates a mouthwatering flavor profile that will delight your taste buds.
Wholesome Ingredients: Made with oat flour, this recipe is not only gluten-free but also rich in fiber, making it a healthier dessert option.
Effortless Preparation: With simple steps, this cake is perfect for both novice bakers and seasoned chefs, allowing everyone to enjoy homemade goodness.
Versatile Treat: Whether you serve it as a snack, breakfast, or dessert, this cake fits any occasion. Pair it with a side of Greek yogurt from our Coffee Cake Muffins for added nutrition!
Guilt-Free Indulgence: Naturally sweetened, you can savor each bite without worrying about excessive sugar, making it a treat everyone can enjoy.
Crowd-Pleasing Appeal: Friends and family will rave about this cake, making it a standout dessert for gatherings or cozy brunches.
Banana Oat Flour Cake Ingredients
For the Batter
- Unsweetened Milk – Provides moisture; any plant-based milk works for a dairy-free option.
- Lemon Juice – Adds acidity to sour the milk, enhancing flavor and texture.
- Rolled Oats – The main structure ingredient, blend into oat flour or use about 2.75 cups of store-bought oat flour.
- Baking Powder – A leavening agent that helps the cake rise beautifully.
- Baking Soda – Works with the acid to provide lift and fluffiness.
- Salt – A pinch enhances the overall flavor.
- Cinnamon – Infuses warmth and spice, complementing the sweetness of the bananas.
- Bananas – Natural sweetness plus moisture; use 1 cup of mashed, overripe bananas for the best results.
- Maple Syrup – Sweetens the cake; can be swapped with honey or agave syrup if desired.
- Large Eggs – Provide structure and moisture; consider flax or chia eggs for a vegan alternative.
- Coconut Sugar (or Brown Sugar) – Your sweetening agent; regular white sugar can be substituted if needed.
- Softened Salted Butter – Adds richness and depth; coconut oil is a good alternative for a dairy-free version.
For the Optional Topping
- Cream Cheese Frosting – Use store-bought or make a healthier Greek Yogurt Cream Cheese Frosting to top your cake.
This stellar Banana Oat Flour Cake is not only delectable but also packed with wholesome ingredients that make it a perfect fit for any occasion!
Step‑by‑Step Instructions for Banana Oat Flour Cake
Step 1: Preheat the Oven
Begin by preheating your oven to 350°F (175°C). This step is crucial, as a properly heated oven will ensure your Banana Oat Flour Cake rises beautifully and bakes evenly. While the oven warms up, prepare your baking dish by lining a 9 x 13 glass baking dish with parchment paper, making it easy to lift the cake out later.
Step 2: Create Sour Milk
In a mixing bowl, whisk together the unsweetened milk and lemon juice. Let this mixture sit for about 5 to 10 minutes until it thickens slightly, creating “sour milk.” This ingredient will add moisture and enhance the overall flavor of your Banana Oat Flour Cake, so be sure to set it aside while you gather other components.
Step 3: Prepare Oat Flour
Take the rolled oats and blend them in a blender or food processor until they reach a fine flour consistency. You should have roughly 2.75 cups of oat flour. In a large mixing bowl, combine this freshly made oat flour with baking powder, baking soda, salt, and cinnamon. Whisk these dry ingredients together to ensure they’re evenly mixed and ready to incorporate into your cake batter.
Step 4: Mash the Bananas
Next, take your ripe bananas and place them in a medium bowl. Use a fork or potato masher to mash them until smooth, ensuring there are no large chunks. You should have about 1 cup of mashed bananas. Set this aside as the bananas will add natural sweetness and moisture to the Banana Oat Flour Cake.
Step 5: Cream Butter and Sugar
In a separate large bowl, beat the softened salted butter and coconut sugar using an electric mixer on medium speed until light and fluffy—about 2 to 3 minutes. This process not only creates a rich texture but also helps to incorporate air into the mixture, aiding the rise of your cake. Once creamed, you’re ready to add the next ingredients.
Step 6: Combine Wet Ingredients
Add the eggs, maple syrup, and vanilla extract to the creamed butter and sugar, mixing well on medium speed until fully combined. This mixture will lend richness and sweetness to your Banana Oat Flour Cake, making it delightful. Ensure everything is well incorporated before moving to the next step to achieve a smooth batter.
Step 7: Mix Dry and Wet Ingredients
Gradually mix the dry ingredient blend into the wet mixture, alternating with the sour milk. Start by adding about one-third of the dry ingredients, followed by half of the sour milk, then repeat until everything is combined. Be careful not to overmix; you want a smooth, homogenous batter for the Banana Oat Flour Cake without lumps.
Step 8: Fold in Mashed Bananas
Using a spatula, gently fold the mashed bananas into the cake batter. This step is important as you want to keep the batter airy and light; overmixing can deflate its fluffiness. Ensure the bananas are evenly distributed throughout the batter, as they add moisture and a delicious flavor that will make your cake truly irresistible.
Step 9: Pour the Batter
Carefully pour the batter into your prepared parchment-lined baking dish, using a spatula to spread it evenly across the pan. Gently tap the dish on the counter to remove air bubbles, which helps create a uniform texture. The batter should fill the dish evenly, ensuring a well-risen Banana Oat Flour Cake.
Step 10: Bake the Cake
Place the dish in the preheated oven and bake for 45 minutes. Check for doneness by inserting a toothpick into the center; it should come out clean or with a few moist crumbs. This step is crucial to achieve that soft, fluffy texture you’re looking for in your Banana Oat Flour Cake.
Step 11: Cool and Frost (Optional)
Once baked, remove the cake from the oven and allow it to cool in the pan for about one hour on a wire cooling rack. If you’re opting to frost the cake, let it cool completely before refrigerating it overnight to prevent melting. This waiting period helps enhance flavors and ensures a perfect topping when you’re ready to serve.

What to Serve with Banana Oat Flour Cake?
The simple elegance of this delightful cake invites pairing options that enhance its wholesome flavors while providing a well-rounded meal.
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Fresh Berries: The bright tartness of fresh berries offers a delightful contrast to the sweetness of the cake, making every bite an explosion of flavor. Strawberries, blueberries, or raspberries will keep your dessert vibrant and fresh.
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Greek Yogurt: A creamy dollop of Greek yogurt adds protein and a refreshing tang, balancing the sweetness beautifully. It creates a luscious experience when served alongside a thick slice of cake.
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Nut Butter Drizzle: Consider drizzling your favorite nut butter, like almond or peanut, over the cake. Its rich, nutty flavor combined with the banana cake transforms your dessert into a protein-packed treat.
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Cinnamon Spiced Coffee: Warm, spiced coffee adds warmth and enhances the cozy, inviting flavor notes of the cake. The aromatic spices will wrap around you like a warm hug on a chilly day.
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Mini Fruit Salad: A medley of seasonal fruits provides a refreshing sidekick to the cake. The variety in textures will keep your palate intrigued while complementing the cake’s moistness.
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Chocolate Chips: Sprinkle some dark chocolate chips on top for an indulgent twist! Pairing chocolate with banana combines sweetness and a hint of decadence, making it a crowd-pleaser.
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Herbal Tea: A calming cup of herbal tea—like chamomile or mint—adds a serene touch to your dessert experience. Sip alongside your cake for a delightful afternoon treat.
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Honey Drizzle: A light drizzle of honey over the cake enhances its natural sweetness, giving it a glossy finish. It’s simple yet effective in taking your dessert to new heights.
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Almond Milk Latte: The nutty flavor of almond milk in your latte pairs wonderfully, creating a cozy coffee break that works beautifully with the rich texture of the cake.
Expert Tips for Banana Oat Flour Cake
- Use Overripe Bananas: The sweeter the bananas, the better the flavor. Look for bananas with black spots to enhance sweetness naturally.
- Don’t Overmix: When folding in the mashed bananas, mix gently to maintain airiness in the batter. Overmixing can lead to a dense cake.
- Rest Before Frosting: If you’re frosting the cake, let it cool completely and refrigerate overnight. This prevents the frosting from melting and keeps it neat.
- Check Doneness: Insert a toothpick into the center; if it comes out clean or with a few moist crumbs, your Banana Oat Flour Cake is ready!
- Add Fun Mix-ins: Consider adding nuts or chocolate chips for an extra layer of flavor and texture, making the cake even more delightful.
Variations for Banana Oat Flour Cake
Now that you’ve got the basics down, let’s explore how to make this delicious Banana Oat Flour Cake uniquely yours!
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Sugar Swap: Replace coconut sugar with brown sugar or a sugar substitute like stevia for a lower-calorie treat. No matter the choice, sweetness is guaranteed to shine through.
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Nutty Addition: Fold in chopped walnuts or pecans to add a delightful crunch and introduce a nuttier flavor. Nuts not only enhance texture but also provide healthy fats.
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Chocolate Lovers: Stir in a handful of dark chocolate chips—because who can resist chocolate? Melting into the warm cake, they create decadent little surprises in each slice.
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Vegan Option: For a completely vegan twist, substitute large eggs with flax eggs or chia eggs, and replace butter with coconut oil. The end result remains irresistibly moist and fluffy!
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Fruitier Flair: Layer the cake with your favorite fruit preserves or a dollop of nut butter for an added flavor dimension. This combination brightens up each bite and adds a fresh twist to your dessert.
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Spiced Variations: Try swapping out cinnamon for nutmeg or allspice to add a different aromatic character. Each spice creates a unique personality for your cake!
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Frosting Finds: Top with a light Greek Yogurt Cream Cheese Frosting for a healthier frosting option. It pairs perfectly with the cake’s inherent flavors, making each bite even more delightful.
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Baked Donuts: If you’re feeling adventurous, use the same batter to create healthy banana oat flour donuts! Simply pour the batter into a donut pan, bake, and enjoy a delightful grab-and-go treat.
As you explore these variations, remember to enjoy the process of creating something deliciously perfect for you and your loved ones. For more ideas, consider pairing your cake with some creamy Greek yogurt from our Coffee Cake Muffins or adding a slice to a generous dollop of Greek yogurt alongside a fresh serving of fruit. Happy baking!
Make Ahead Options
This Banana Oat Flour Cake is perfect for meal prep, allowing you to enjoy homemade goodness with minimal fuss on busy days! You can prepare the batter up to 24 hours in advance. Simply mix all the dry ingredients and keep them in an airtight container, while you mash the bananas, combine them with the wet ingredients, and refrigerate. When you’re ready to bake, combine everything, pour into your prepared pan, and proceed to bake as instructed. If you want to frost the cake after baking, let it chill overnight in the fridge to maintain its perfect texture and prevent melting. Rest assured, when you follow these steps, the finished Banana Oat Flour Cake will be just as delicious and fresh!
How to Store and Freeze Banana Oat Flour Cake
Room Temperature: Keep the cake in an airtight container for up to 3 days at room temperature. This helps preserve its moistness without sacrificing flavor.
Fridge: For longer freshness, store the Banana Oat Flour Cake in the fridge, where it can last up to 5 days. Cover it tightly to prevent it from drying out or absorbing other odors.
Freezer: To freeze, wrap individual slices in plastic wrap and then place them in a freezer-safe bag. The cake can be frozen for up to 3 months.
Reheating: When ready to enjoy, thaw the cake in the fridge overnight, then reheating slices in the microwave for 15-20 seconds or in a warm oven brings back the delightful texture.

Banana Oat Flour Cake Recipe FAQs
What kind of bananas should I use?
For the best flavor, opt for overripe bananas with plenty of black spots. These bananas are sweeter and will bring out the natural sweetness in your Banana Oat Flour Cake, resulting in a moist and flavorful dessert.
How should I store the finished cake?
You can keep your Banana Oat Flour Cake in an airtight container at room temperature for up to 3 days. For longer freshness, store it in the fridge for up to 5 days. Just remember to cover it tightly to maintain its moisture and prevent it from absorbing other fridge odors.
Can I freeze the Banana Oat Flour Cake?
Absolutely! To freeze, wrap individual slices tightly in plastic wrap and then place them in a freezer-safe bag. This cake can be comfortably stored in the freezer for up to 3 months. When you’re ready to enjoy a slice, just thaw it overnight in the fridge, then warm it in the microwave for about 15-20 seconds or gently reheating it in the oven.
What should I do if the cake is too dense?
If your Banana Oat Flour Cake turns out dense, it’s likely due to overmixing the batter. Remember, when you’re incorporating the mashed bananas into the batter, fold gently to maintain its airy texture. If you think you may have overmixed, try adding a splash of additional sour milk next time for moisture.
Is this cake suitable for people with allergies?
The Banana Oat Flour Cake can be made dairy-free by using plant-based milk and vegan butter or coconut oil. If you’re concerned about allergies, ensure to use certified gluten-free oats for those avoiding gluten. Always check the labels of any additional ingredients, as some products may contain allergens.

Deliciously Healthy Banana Oat Flour Cake You’ll Love
Ingredients
Equipment
Method
- Preheat the oven to 350°F (175°C) and prepare your baking dish.
- In a mixing bowl, whisk together unsweetened milk and lemon juice. Let sit for 5-10 minutes.
- Blend rolled oats into a fine flour and combine with baking powder, baking soda, salt, and cinnamon in a large bowl.
- Mash bananas in a medium bowl until smooth.
- Cream softened butter and coconut sugar until light and fluffy, about 2-3 minutes.
- Mix eggs, maple syrup, and vanilla extract into the creamed mixture until combined.
- Gradually mix the dry ingredients into the wet mixture, alternating with the sour milk.
- Fold in mashed bananas gently to maintain the batter's fluffiness.
- Pour the batter into the prepared baking dish and tap to remove air bubbles.
- Bake for 45 minutes, checking for doneness with a toothpick.
- Cool the cake in the pan for about one hour before frosting (if desired).

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