• Preheat & Prep: Preheat your oven to 350°F (175°C). Lightly grease and flour an 8x4 or 9x5 inch loaf pan, or line with parchment paper leaving an overhang on the long sides for easy lifting.
• Dry Ingredients: In a medium bowl, whisk together the flour, baking soda, and salt. Set aside.
• Wet Ingredients: In a large bowl, whisk together the melted butter, granulated sugar, and brown sugar until smooth. Beat in the eggs one at a time, then stir in the vanilla extract and mashed bananas until just combined.
• Combine: Add the dry ingredients to the wet ingredients, mixing until just combined. Be careful not to overmix! A few lumps are totally fine.

Peanut Butter Cream Cheese

• In a small bowl, beat the softened cream cheese, peanut butter and sugar until smooth. Stir in the egg and vanilla extract until well combined.

Peanut Butter Layer

• In another small bowl, whisk together the peanut butter, and 1 tablespoon of milk until smooth. If it's too thick to drizzle, add a second tablespoon of milk gradually until it reaches a thick, pourable consistency.
  

Assemble Your Loaf

• Pour about half of the banana bread batter into your prepared loaf pan, spreading it evenly.
• Carefully spoon dollops of the cream cheese filling over the banana bread batter. Leave a few spoonfuls for another layer. Don't worry about spreading it perfectly; imperfect is beautiful!
• Drizzle spoonfuls of the peanut butter mixture over the cream cheese.
• Drizzle the remaining cream cheese mixture over the peanut butter layer.
• Top with the remaining banana bread batter, gently spreading it to cover most of the filling.
• Bake: Bake for 55-65 minutes, or until a wooden skewer inserted into the center of the banana bread (avoiding the filling if possible) comes out clean. If the top starts to brown too quickly, you can loosely tent it with foil.
• Cool: Let the banana bread cool in the pan for 10-15 minutes before carefully lifting it out onto a wire rack to cool completely. This is crucial for the filling to set properly!
  
• Serve: Once cooled, drizzle with extra melted peanut butter and a dusting of powdered sugar if desired. Slice and enjoy!