As I sift through my pantry, the enticing aroma of ripe bananas beckons me to create something both delicious and nourishing. Enter the Banana Oat Flour Cake, a delightful marriage of moist, classic banana goodness and the wholesome charm of oat flour. This scrumptious cake not only satisfies your sweet tooth, but it also caters to the health-conscious among us with its gluten-free and whole grain ingredients. Perfect for a cozy brunch or a guilt-free dessert option, this recipe comes together quickly and is sure to impress. Plus, the creamy frosting adds a luxurious touch that you won’t want to skip! Curious about how to whip this up and fill your kitchen with those irresistible scents? Let’s dive into the details!

Why is this cake a must-try?
Deliciously moist: This Banana Oat Flour Cake boasts a wonderfully moist texture that melts in your mouth with every bite. Healthy indulgence: Guilt-free never tasted so good! It uses whole grain oat flour and ripe bananas, making it a wholesome treat. Quick to prepare: With easy-to-follow steps, it’s a breeze to whip up, allowing you to impress guests without stress. Versatile options: Add chocolate chips or nuts for an extra flavor boost, or swap the frosting for a lighter yogurt topping. Perfect anytime: Whether for brunch or a late-night snack, this cake fits any occasion beautifully, much like our Baked Banana Oatmeal and Banana Oatmeal Bars.
Banana Oat Flour Cake Ingredients
• Here’s what you’ll need to create this scrumptious delight!
For the Cake Base
- Unsweetened Milk – Adds moisture and enhances the cake’s texture; feel free to use any milk alternative for a dairy-free version.
- Lemon Juice – Sours the milk, creating a buttermilk effect; vinegar can be a substitute if needed.
- Rolled Oats – Ground into oat flour for the cake’s base; opt for store-bought oat flour if preferred, but ensure it’s finely ground for moisture.
- Baking Powder – Provides essential leavening for the cake to rise beautifully.
- Baking Soda – Works alongside baking powder to enhance the cake’s fluffiness.
- Salt – Balances sweetness and enhances overall flavor.
- Cinnamon – Infuses warmth and adds depth to the cake’s taste.
- Bananas – The star ingredient that brings moisture and natural sweetness; use very ripe bananas for the best flavor.
For the Sweetness
- Maple Syrup – A natural sweetener that complements the cake’s flavor; can be swapped with honey or agave syrup.
- Large Eggs – Provide structure and moisture; ensure they are at room temperature for a smoother batter.
- Coconut Sugar – Adds a caramel-like sweetness; brown sugar makes a great substitute.
For Moisture and Flavor
- Softened Salted Butter – Contributes richness and moisture; opt for dairy-free butter for a vegan choice.
- Vanilla Extract – Boosts flavor; pure vanilla extract is recommended.
For Creamy Topping
- Cream Cheese Frosting – An optional yet delightful topping that adds a creamy finish to your cake.
Now that you have all the ingredients, are you ready to make your very own Banana Oat Flour Cake? Let’s get baking!
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 ensures an even baking temperature for your Banana Oat Flour Cake. While the oven heats, gather your ingredients and prepare your baking pan by lining it with parchment paper to prevent sticking and make for easy removal later.
Step 2: Sour the Milk
In a small bowl, whisk together the unsweetened milk and lemon juice. Let this mixture sit for about 5 minutes, allowing the milk to curdle slightly and create a buttermilk effect. This step is vital for adding moisture and tenderness to your cake, so ensure it’s done before moving on.
Step 3: Make Oat Flour
If using rolled oats rather than store-bought oat flour, place the oats in a blender or food processor. Blend until they reach a fine flour consistency, which should take about 30 seconds. Setting the oat flour aside, this will be the wholesome base of your moist Banana Oat Flour Cake.
Step 4: Combine Dry Ingredients
In a large mixing bowl, whisk together the oat flour, baking powder, baking soda, salt, and cinnamon. Mix these dry ingredients thoroughly, ensuring there are no lumps, as this will help your cake rise evenly and contribute to its fluffy texture once baked.
Step 5: Cream the Butter and Sugar
In a separate bowl, cream the softened salted butter and coconut sugar using an electric mixer on medium speed. Beat this mixture until it becomes light and fluffy—around 3 to 4 minutes. This step is crucial, as it incorporates air into the batter, contributing to the cake’s delightful texture.
Step 6: Mix in Wet Ingredients
Add the large eggs, maple syrup, and vanilla extract to the creamed butter and sugar. Beat them together on low speed until well combined—aim for a smooth mixture. This blend adds moisture and flavor to your Banana Oat Flour Cake while enhancing its sweetness perfectly.
Step 7: Alternate Dry Ingredients and Soured Milk
Gradually add the dry ingredient mixture and the soured milk to the wet ingredients bowl, alternating between each addition. Mix gently, ensuring not to overmix, as this can lead to a denser cake. Aim for a smooth and combined batter with no dry flour patches.
Step 8: Fold in Mashed Bananas
Gently fold in the mashed bananas using a spatula. Ensure the bananas are fully incorporated into the batter, adding even more moisture and natural sweetness to the Banana Oat Flour Cake. Be careful not to overmix to maintain the cake’s light texture.
Step 9: Bake the Cake
Pour the batter into the prepared 9 x 13 pan, smoothing the top evenly with a spatula. Place it in the preheated oven and bake for 45 minutes. The cake is ready when a toothpick inserted into the center comes out clean or with a few moist crumbs.
Step 10: Cool the Cake
Once baked, remove the cake from the oven and allow it to cool in the pan for 10 minutes, then transfer it to a cooling rack. Let it cool completely for at least one hour before frosting. If you plan to use cream cheese frosting, consider refrigerating the cake overnight for best results!

How to Store and Freeze Banana Oat Flour Cake
Airtight Container: Store your Banana Oat Flour Cake in an airtight container at room temperature for up to 4 days to maintain its moisture.
Refrigeration: If you want to extend its freshness, refrigerate the cake, where it can last up to a week. Just be sure to cover it well to avoid drying out.
Freezer: For longer storage, freeze individual slices wrapped in plastic wrap and then aluminum foil. They can stay fresh for up to 3 months.
Reheating: To enjoy a slice, thaw in the refrigerator overnight, then warm it in the microwave for 10-15 seconds or enjoy it at room temperature.
What to Serve with Moist Banana Oat Flour Cake
As you gather around the table, imagine the delightful spread that will perfectly complement the luscious flavors of your moist banana oat flour cake.
- Creamy Greek Yogurt: A dollop on the side adds a refreshing tang that balances the cake’s sweetness while enhancing its moistness.
- Fresh Berries: Strawberries, blueberries, or raspberries provide a burst of natural sweetness and acidity, elevating each bite with a fresh and fruity note.
- Nutty Granola: Sprinkle crunchy granola on top for a delightful texture contrast; its hearty oats echo the cake’s wholesome vibe, making each mouthful exciting.
- Maple Glazed Pecans: Their caramelized sweetness enhances the banana flavor and adds a lovely crunch, making this a standout pairing for all nut lovers.
- Chamomile Tea: This gentle and calming tea pairs beautifully with the cake’s richness, offering a soothing experience perfect for afternoon enjoyment.
- Coconut Whipped Cream: For a tropical twist, serve with fluffy coconut whipped cream; its lightness balances the cake’s richness and celebrates the banana flavors beautifully.
- Dark Chocolate Drizzle: For the chocolate lovers, a simple drizzle of melted dark chocolate over the cake adds a decadent touch that’s to die for!
- Lemonade: A refreshing glass of lemonade cuts through the cake’s sweetness, offering a delightful contrast that refreshes the palate.
- Vanilla Ice Cream: Opt for a scoop of creamy vanilla ice cream to create a sweet and velvety partnership that’s simply irresistible.
Banana Oat Flour Cake Variations & Substitutions
Feel free to unleash your creativity and tailor this scrumptious cake to your taste preferences with these delightful tweaks!
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Gluten-Free: Use a gluten-free oat flour blend instead of regular oat flour to maintain the cake’s integrity while catering to gluten sensitivities.
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Nutty Flavor: Substitute oat flour for almond flour for a nutty, deeper flavor. Just know that almonds add a distinct texture, so adjust your expectations accordingly.
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Choco Delight: Add in 1/2 cup of chocolate chips to the batter for a sweet surprise that will melt your heart with every slice. Chocolate and bananas create a match made in dessert heaven!
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Fruit Fusion: Toss in 1/2 cup of diced strawberries or blueberries for a juicy burst of flavor that brightens up each bite. A fruit twist adds freshness to the classic taste.
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Vegan Version: Swap eggs with flax eggs (1 tbsp ground flaxseed mixed with 2.5 tbsp water per egg) and replace butter with coconut oil or dairy-free butter for a completely vegan delight.
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Cinnamon Swirl: Create a cinnamon sugar swirl by mixing 1/4 cup of sugar with 1 tablespoon of cinnamon, then swirl through the batter before baking. It adds a delightful surprise!
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Cream Cheese Alternative: Replace the cream cheese frosting with a light, whipped coconut cream for a refreshing, non-dairy topping. This pairs beautifully and keeps the cake feeling light.
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Add Heat: For a spicy kick, toss in a pinch of cayenne pepper into the batter, or drizzle some honey sriracha on top for an unexpected burst of flavor that will tantalize your taste buds!
Keeping the essence of the classic cake while enjoying these variations makes every baking adventure a new experience. Whether you’re eating it as a snack or at brunch, it’s perfect alongside a warm cup of coffee or a refreshing tea—just like our delicious Strawberry Banana Pudding or indulgent Pumpkin Cupcakes. Happy baking!
Make Ahead Options
These Banana Oat Flour Cake options are perfect for busy home cooks looking to save time! You can prepare the dry ingredients (oat flour, baking powder, baking soda, salt, and cinnamon) and store them in an airtight container for up to 3 days. Additionally, you can mash the ripe bananas and refrigerate them in a sealed container for up to 24 hours to maintain their sweetness and prevent browning. When you’re ready to bake, simply combine the wet ingredients with the prepared dry mix, add the bananas, and bake as directed. This way, you’ll enjoy a moist, delicious cake without the last-minute rush, making it an excellent choice for your next gathering!
Expert Tips for Banana Oat Flour Cake
- Ripe Bananas Matter: Use very ripe bananas for the best flavor and moisture. If yours aren’t ripe, try baking them briefly at 300°F to speed up ripening.
- Avoid Overmixing: When combining wet and dry ingredients, mix just until combined. Overmixing can lead to a denser cake that lacks the fluffy texture you desire from a Banana Oat Flour Cake.
- Room Temperature Ingredients: Ensure eggs and butter are at room temperature for optimal mixing. This helps achieve a light and airy cake that everyone will love.
- Use Parchment Paper: Lining your baking pan with parchment paper makes removing the cake a breeze and helps prevent sticking.
- Cool Before Frosting: Always allow your cake to cool completely before adding frosting to prevent it from melting and sliding off the cake.

Banana Oat Flour Cake Recipe FAQs
What type of bananas should I use for this recipe?
For the best flavor and moisture in your Banana Oat Flour Cake, use very ripe bananas. Look for bananas with brown spots or those that are almost black. If you have green bananas, you can speed up the ripening process by baking them at 300°F (150°C) for 15-20 minutes until they soften and turn brown.
How should I store my Banana Oat Flour Cake?
To keep your Banana Oat Flour Cake fresh, store it in an airtight container at room temperature for up to 4 days. If you want to prolong its freshness, refrigerate it, where it will last for about a week. Just make sure it’s well covered to prevent it from drying out.
Can I freeze Banana Oat Flour Cake?
Absolutely! You can freeze your Banana Oat Flour Cake for up to 3 months. Simply slice the cake, wrap each piece tightly in plastic wrap, then in aluminum foil to protect it from freezer burn. When you’re ready to enjoy a slice, just thaw it in the refrigerator overnight and warm it in the microwave for about 10-15 seconds, or enjoy it at room temperature.
What should I do if my cake comes out dense?
If your Banana Oat Flour Cake turns out denser than expected, it may be due to overmixing the batter or using insufficiently ripe bananas. To prevent this in the future, mix the wet and dry ingredients just until combined. Make sure to use very ripe bananas as they contribute significantly to the moisture and lightness of the cake.
Is this cake suitable for those with gluten allergies?
Yes, this Banana Oat Flour Cake is a fantastic gluten-free option! By using oat flour, which is naturally gluten-free (just ensure it’s labeled as such to avoid cross-contamination), you can enjoy this delicious cake without worries. Additionally, you can make it dairy-free by substituting the butter and milk with plant-based options.
Can I customize the frosting or add-ins?
The more the merrier! You can certainly customize the frosting and add-ins to fit your taste. Try replacing the cream cheese frosting with a whipped coconut cream or a lighter Greek yogurt topping. You can also incorporate mix-ins like chopped nuts, chocolate chips, or dried fruits into the batter for added texture and flavor.

Deliciously Moist Banana Oat Flour Cake for Guilt-Free Indulgence
Ingredients
Equipment
Method
- Preheat the oven to 350°F (175°C) and prepare the baking pan with parchment paper.
- Whisk together the milk and lemon juice in a small bowl and let it sit for 5 minutes.
- Blend rolled oats in a blender until fine flour consistency is achieved.
- In a large bowl, whisk together oat flour, baking powder, baking soda, salt, and cinnamon.
- Cream the butter and coconut sugar with an electric mixer until light and fluffy for 3-4 minutes.
- Mix in eggs, maple syrup, and vanilla extract until combined.
- Gradually add dry ingredients and soured milk alternately to the wet mixture, mixing gently.
- Fold in the mashed bananas until just combined.
- Pour the batter into the prepared baking pan and bake for 45 minutes or until a toothpick comes out clean.
- Allow the cake to cool in the pan for 10 minutes before transferring to a cooling rack for at least one hour.

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