If you love banana bread, these grain-free Cream Cheese–Filled Almond Flour Banana Muffins are a delightful gluten-free breakfast option. They balance ripe banana sweetness with a creamy center and a tender crumb, making them a family favorite for mornings or snack time.

Cream Cheese-Filled Almond Flour Banana Muffins
When bananas ripen faster than you can eat them, baking is the perfect solution. These almond flour banana muffins are packed with mashed ripe bananas and feature a surprise dollop of sweetened cream cheese in the center of each muffin. Because they use almond and coconut flours instead of wheat, they are naturally gluten-free and rich in a moist, tender texture that keeps well for several days.

Almond flour, made from finely ground almonds, adds healthy fats and a slightly nutty flavor that helps create a moist crumb. Combined with ripe bananas and a small amount of butter and brown sugar, these muffins are indulgent without being overly sweet. The cream cheese filling adds a luscious contrast in texture and flavor.
What is the secret to making moist muffins?
There are a few simple tricks that make these muffins especially moist and satisfying:
- Almond flour: It contains more natural fats than wheat flour, which helps the muffins stay tender and moist.
- Cream cheese: A small dollop in the center of each muffin adds richness and creaminess.
- Very ripe bananas: Riper bananas are sweeter and more moist, reducing the need for extra fat or sugar while contributing natural moisture.
How to Store, Freeze, and Reheat Banana Muffins
These muffins are ideal for meal prep and make breakfast easy. One batch yields 12 muffins.
- Store: Keep muffins in an airtight container in the refrigerator for four to five days.
- Freeze: Wrap muffins individually in plastic wrap or foil and place them in a sealed freezer bag or container. They thaw well and retain texture when frozen.
- Reheat: For quick warming, let frozen muffins thaw overnight in the refrigerator and reheat in the microwave for about 15–25 seconds. If reheating from frozen, increase the microwave time slightly until warmed through, or wrap in foil and warm in a 300°F oven for 10–15 minutes.
Variations
- Stir in or top with chopped almonds, pecans, or walnuts for banana nut muffins.
- For a sweeter cream cheese center, mix a touch more brown sugar or a dash of cinnamon into the cream cheese before filling.

More Healthy Muffin Recipes You’ll Love
- Gluten-Free Blueberry Oatmeal Muffins
- Yogurt Chocolate Chip Muffins
- Whole Grain Apple Nut Muffins
- Mixed Berry Whole Wheat Muffins
- Whole Wheat Irish Soda Bread Muffins
Cream Cheese-Filled Almond Flour Banana Muffins (GF)
Yield: 12 muffins | Serving size: 1 muffin
Prep: 20 mins | Cook: 40 mins | Total: 1 hr
Calories: 149 kcal per muffin
Ingredients
- 1 2/3 cups very ripe bananas (about 3 medium), mashed
- 1 cup almond flour
- 1/3 cup coconut flour
- 2 teaspoons baking powder
- 1/2 teaspoon baking soda
- 1/4 teaspoon salt
- 2 tablespoons butter, softened
- 1/3 cup unpacked brown sugar, divided
- 2 large eggs
- 1 teaspoon vanilla extract
- 4 ounces reduced-fat cream cheese (softened)
Instructions
- Preheat the oven to 325°F (163°C). Line a 12-cup muffin tin with paper liners.
- Mash the ripe bananas in a bowl and set aside.
- In a medium bowl, whisk together almond flour, coconut flour, baking powder, baking soda, and salt until evenly combined.
- In a large bowl, cream the softened butter with 1/4 cup of the brown sugar using an electric mixer or a sturdy whisk until light and slightly fluffy.
- Add the eggs, mashed bananas, and vanilla extract. Beat at medium speed until the mixture is thick and well combined, scraping down the sides as needed.
- Gradually add the dry flour mixture to the banana mixture and blend on low speed (or fold by hand) until just combined. Avoid overmixing.
- In a small bowl, beat the cream cheese with the remaining 1 to 2 tablespoons of brown sugar until smooth.
- Spoon about half of the batter into the prepared muffin cups, distributing it evenly. Add about 2 teaspoons of the sweetened cream cheese to the center of each cup, then top with the remaining batter to cover the cream cheese.
- Bake on the center rack of the oven for 35 to 45 minutes, or until a toothpick inserted into the center of a muffin (not into the cream cheese) comes out clean. Baking time may vary slightly depending on your oven.
- Allow muffins to cool in the pan for a few minutes, then transfer to a wire rack to cool completely.


Nutrition (per muffin, approximate)
- Calories: 149 kcal
- Carbohydrates: 13.5 g
- Protein: 5 g
- Fat: 8.5 g
- Saturated fat: 2.5 g
- Cholesterol: 42 mg
- Sodium: 210 mg
- Fiber: 3 g
- Sugar: 8.5 g
Final note
These muffins are perfect for using up very ripe bananas and make a satisfying breakfast or snack that travels well. If you try them, consider adding chopped nuts for extra texture or experimenting with a cinnamon-spiced cream cheese filling for a warm, cozy variation.
