loaf base 1 cup gluten-free oat flour 1 cup almond flour 1/2 tbsp baking powder 1/2 tsp baking soda 1/4 tsp sea salt 1 tsp cinnamon (optional, but great for depth) 1 cup coconut sugar 1/3 cup mashed overripe banana 2 large eggs 1/2 cup plain greek yogurt (or dairy-free yogurt if preferred) 1/4 cup melted butter or vegan butter 1 tbsp apple cider vinegar 1 tsp vanilla extract cinnamon crunch center u0026 topping 1/3 cup coconut sugar 2 tbsp melted butter or vegan butter 1/2 cup almond flour 1 tbsp cinnamon
optional glaze 4 oz cream cheese, softened 2–3 tbsp honey or pure maple syrup 1–3 tbsp milk of choice (adjust for consistency) 1/2 tsp vanilla extract or vanilla bean paste pinch of sea salt (optional)
Instructions
preheat the oven to 350°F and line a loaf pan with parchment paper. in a large bowl, whisk together oat flour, almond flour, baking powder, baking soda, sea salt, and cinnamon.
in another bowl, mix the coconut sugar, mashed banana, eggs, yogurt, melted butter, apple cider vinegar, and vanilla until smooth and well combined. add wet ingredients to dry and mix until just combined—do not overmix.
mix the ingredients for the cinnamon crunch center and topping in a bowl. pour the half of batter into the loaf pan, add half of the crunch filling/top and then the remaining batter. smooth the top and sprinkle the remainder evenly over the top of the batter.
bake at 350°F for 50 minutes or until a toothpick inserted in the center comes out mostly clean with just a few moist crumbs.
let it cool in the pan for about 15–20 minutes, then transfer to a wire rack to cool completely—at least another 30–45 minutes depending on the room temp. if you want clean slices and the perfect fudgy-but-firm texture, the wait is worth it.