Preheat & Prep Pan: Preheat your oven to 350°F (175°C). If using a dark-coated metal or glass loaf pan, reduce the oven temperature to 325°F (160°C) to prevent over-browning.
Lightly grease a 9x5-inch loaf pan. For easiest removal, line the pan with parchment paper, allowing some overhang on the two longer sides to act as handles.
Combine Wet Ingredients: In a large mixing bowl, add the mashed bananas, granulated sugar, packed light brown sugar, melted butter (or oil), sour cream, peanut butter, lightly beaten eggs, and vanilla extract. Whisk these ingredients together until thoroughly combined and smooth.
Add Dry Ingredients & Mix Gently: Add the all-purpose flour, baking soda, and salt directly to the wet ingredients in the bowl.
If using, stir in the chocolate chips. Using a spatula, gently fold everything together until just combined and no large dry streaks of flour remain. Be careful not to overmix; a few small streaks are okay. Overmixing can result in a tougher bread.
Bake to Perfection: Pour the batter evenly into your prepared loaf pan, spreading it gently to the corners. Bake for 50-60 minutes.
The bread is done when a wooden skewer or toothpick inserted into the center comes out clean, or with a few moist crumbs attached (it should not have wet batter).
Cool Completely Before Slicing: Let the peanut butter banana bread cool in the pan on a wire rack for 10-15 minutes.
Then, use the parchment paper overhangs to carefully lift the loaf out of the pan and place it directly on the wire rack to cool completely. (Patience pays off! The peanut butter flavor intensifies and the texture improves as the bread cools. It's often even more delicious the next day.) Once fully cooled, slice into 10 generous pieces and enjoy.