If you’ve ever tried baked oatmeal and ended up with a dry brick or a soggy center, you’re not alone. I’ve been there more times than I’d like to admit. But this version? It’s the one that finally works. Creamy, lightly sweet, with that perfect custard-like center and a golden-brown top that cracks just right when you cut into it. It’s become my go-to for weekend breakfasts, meal prep, and those mornings when I need something warm but don’t want to think too hard.
And the best part? No refined sugar. Just two overripe bananas are doing the heavy lifting. You know the ones the ones you’ve been ignoring on the counter because they’re too spotty to eat plain. They’re not a waste. They’re breakfast.
Why This One Works (And Others Don’t)
Most baked oatmeal recipes promise comfort but deliver disappointment. Too dense. Too dry. Or worse gummy in the middle. This one avoids those pitfalls by paying attention to a few key details most recipes gloss over.
First, the oats. You need old-fashioned rolled oats nothing else. Instant oats turn to mush. Steel-cut won’t soften enough in the bake time. And quick oats? They absorb too much liquid and leave the texture pasty. Stick to 120g (1 cup) of old-fashioned. If you’re weighing, do it. It makes a difference.
Second, the liquid. I tested this with skim milk, almond milk, and whole milk. Skim left it dry. Almond milk too thin, made it crumbly. Whole milk or full-fat oat milk? That’s the sweet spot. You need the fat for richness and structure. Don’t skip it.
Third, the rest. Let the batter sit for 10 minutes before baking. It’s not optional. That short wait lets the oats start absorbing the liquid, so they cook evenly and don’t stay gritty in the center. I learned this the hard way after serving a batch that tasted half-baked literally.
The bananas aren’t just for sweetness. They add moisture, natural pectin (which helps bind without eggs), and a slight acidity that reacts with the baking powder for a gentle rise. Mash them well almost smooth, with just a few small lumps. That way, every bite gets that banana flavor without any surprise sugar bombs.

Ingredients (With Weights, Because Precision Matters)
- Ripe bananas – 200g (about 2 medium), mashed
Sweetness, moisture, binding. Use spotty or black peels—just not moldy. - Large egg – 50g (1)
Structure and richness. Use a flax egg (1 tbsp ground flax + 3 tbsp warm water) for vegan. - Rolled oats (old-fashioned) – 120g (1 cup)
Base grain. Do not substitute with instant or steel-cut. - Milk (whole or full-fat oat milk) – 240ml (1 cup)
Creaminess. Avoid skim or almond milk—they lack fat. - Baking powder – 5g (1 tsp)
Leavening. Test freshness: mix ½ tsp with hot water. If it doesn’t bubble, replace. - Ground cinnamon – 2g (1 tsp)
Warmth. Don’t skip—it balances the sweetness. - Vanilla extract – 5ml (1 tsp)
Depth. Pure, not imitation. - Salt – 2g (¼ tsp)
Flavor enhancer. Even in sweet dishes, it’s essential.
Optional Add-Ins (Pick One or Two)
- Chopped walnuts – 50g
- Blueberries – 75g (toss frozen ones in 1 tsp oats first)
- Chocolate chips – 50g
- 2 tbsp peanut butter (swirled in, not mixed)
- Lemon zest + blueberries for a bright twist
Equipment You’ll Actually Use
- 8×8 inch (20×20 cm) square baking dish
- Mixing bowl
- Fork or potato masher
- Whisk
- Measuring cups and spoons (digital scale recommended)
- Oven
Nice-to-Haves
- Parchment paper (for easy removal)
- Fine-mesh sieve (for dusting cinnamon or powdered sugar)
Step-by-Step (With Realistic Timing and Cues)
Step 1: Preheat and Prep
Set oven to 175∘C175^circ C175∘C (350°F). Lightly grease the pan or line with parchment. You want a light sheen—no pools of oil.

Step 2: Mash and Mix Wet Ingredients
In a large bowl, mash bananas until nearly smooth. Add egg and whisk until fully combined—no streaks of white. Stir in milk, vanilla, and salt.

Step 3: Add Dry Ingredients
Add oats, baking powder, cinnamon, and salt. Stir until just incorporated. Batter should be thick, like porridge, with no dry spots.

Step 4: Let It Rest (Don’t Skip This)
Set bowl aside for 10 minutes. The oats will plump up slightly. Batter will thicken. This is normal.

Step 5: Fold in Add-Ins, Then Pour
Gently fold in your chosen mix-ins. Pour into baking dish and spread evenly. Surface should look smooth, ingredients distributed.

Step 6: Bake
35–40 minutes. Center should be set—test with a toothpick. It can have a few moist crumbs, but no wet batter. Edges should be golden and pulling slightly from the sides.
Step 7: Cool Before Cutting
Let it sit for 10–15 minutes. It’ll still jiggle a little in the center—that’s okay. It firms up as it cools.

Common Problems (And How to Fix Them)
Gummy Center
Likely cause: Underbaked or too much banana.
Fix: Bake until internal temp hits 93–96∘C93–96^circ C93–96∘C (200–205°F). Stick to 200g banana. Let batter rest.
Dry or Crumbly
Likely cause: Overbaked, too many oats, or low-fat milk.
Fix: Use full-fat milk, don’t exceed 40 minutes, measure oats by weight.
Soggy Bottom
Likely cause: Frozen berries releasing water.
Fix: Toss berries in 1 tsp oats before folding in. Bake fully.
Too Dense
Likely cause: Old baking powder or overmixing after adding leavening.
Fix: Test baking powder. Mix gently after adding powder.
Cracked Top
Likely cause: Oven too hot or door opened too early.
Fix: Use oven thermometer. Don’t peek before 30 minutes.
Substitutions That Actually Work
- Egg-free: 1 flax egg (1 tbsp ground flax + 3 tbsp warm water, sit 5 mins). Slightly denser but holds.
- Dairy-free: Full-fat oat milk or canned coconut milk. Avoid almond milk.
- Gluten-free: Use certified gluten-free oats. Cross-contamination is real—check labels.
- Flavor Swaps:
- ½ tsp nutmeg or cardamom for warmth
- 2 tbsp peanut butter for richness
- Lemon zest + blueberries for brightness
Scaling for Different Pans
- 6-inch pan: Halve ingredients. Bake 28–32 minutes.
- 9×13 inch pan: Double ingredients. Bake 40–45 minutes.
- Muffins (12): Divide into greased tin. Bake 22–26 minutes.
Make-Ahead, Storage, Freezing
- Counter: Covered, up to 2 days. Reheat 60–90 sec in microwave.
- Fridge: Airtight container, 5 days. Bring to room temp or reheat gently.
- Freezer: Slice, wrap in parchment, store in bag. Up to 3 months. Thaw overnight or microwave at 50% power for 2 minutes.
- Don’t freeze: Fresh berries—they turn to mush. Use frozen (thawed and drained) or skip.
Serving Ideas (Beyond the Obvious)
- Drizzle with maple syrup and top with Greek yogurt.
- Sprinkle with chopped nuts for crunch.
- Layer with nut butter and banana slices for a “breakfast sandwich.”
- Serve with tart fruit compote (apple-cinnamon, raspberry) to cut sweetness.
FAQs
Can I use black bananas?
Yes. The darker, the sweeter. Just make sure they’re not moldy or smelly.
Can I prep the batter the night before?
Yes. Cover and refrigerate. Bake straight from cold—add 5–8 minutes.
Why did mine sink after baking?
Likely underbaked. Test with toothpick and check internal temp—should be above 93∘C93^circ C93∘C (200°F).
Can I use steel-cut oats?
No. They need more liquid and longer cook time. Stick to rolled oats.
Can I make a single serving in a mug?
Yes. Use ⅓ of the recipe in a greased 12-oz mug. Microwave 2–2.5 min or bake at 175∘C175^circ C175∘C (350°F) for 25–30 min.
Is it safe for toddlers?
Yes, if no added sugar and using pasteurized egg or flax egg. Cut into small pieces, serve warm.
From My Kitchen (Real Test Notes)
- Batch 1: Skim milk + instant oats. Result: Dry, chalky. Never again.
- Batch 2: Extra banana. Result: Soggy center. Lesson learned—stick to 200g.
- Batch 3: Flax egg. Result: Slightly denser but held together. Great for vegan.
- Batch 4: Muffin tin. Crispy edges, soft centers. Perfect for freezing.
- Final Version: Rolled oats, whole milk, 200g banana, 10-min rest, baked 38 min. Texture: Tender, custardy, crisp top. Slices cleanly.
Nutrition (Per 1/6 of Dish)
- Calories: ~220
- Protein: 6g
- Carbs: 38g
- Fat: 6g
- Fiber: 4g
- Natural sugars: 10g
Estimates vary by ingredients and portion size. Not medical advice. Always follow food safety practices.
Baked Banana Oat Breakfast: Wholesome, Warm, Weekday Easy
Course: DessertCuisine: AmericanDifficulty: Easy6
servings15
minutes35
minutes220
kcal1
hourThis baked banana oatmeal is cozy and fuss-free, relying on overripe bananas for sweetness and delivering a spoonable, custard-like texture that’s never dry or gummy. Perfect for meal prep, family breakfasts, or a lazy weekend brunch—just combine, bake, and enjoy.
Ingredients
Ripe bananas – 200g (about 2 medium), mashed
Large egg – 50g (1), or flax egg (1 tbsp ground flax + 3 tbsp water) for vegan
Rolled oats (old-fashioned) – 120g (1 cup)
Whole milk or full-fat oat milk – 240ml (1 cup)
Baking powder – 5g (1 tsp)
Ground cinnamon – 2g (1 tsp)
Vanilla extract – 5ml (1 tsp)
Salt – 2g (¼ tsp)
Optional add-ins: chopped walnuts (50g), blueberries (75g), chocolate chips (50g)
Directions
- Preheat oven to 175°C (350°F). Lightly grease the baking dish or line with parchment paper.
- In a large bowl, mash bananas until almost smooth with a few lumps. Add egg (or flax egg) and whisk until fully combined.
- Stir in milk, vanilla, and salt. Add oats, baking powder, and cinnamon. Mix until no dry patches remain—batter will be thick, like porridge.
- Let batter rest for 10 minutes. This allows oats to absorb liquid and prevents a gritty center.
- Gently fold in any add-ins. Pour into prepared baking dish and spread evenly.
- Bake in center of oven for 35–40 minutes. Top should be golden, edges slightly pulling away, and a toothpick inserted in the center should come out clean or with a few moist crumbs (no wet batter).
- Let cool for 10–15 minutes before slicing. The center will jiggle slightly but set as it cools.
Notes
- Storage
Counter: Covered, up to 2 days. Reheat in microwave for 60–90 seconds.
Fridge: In an airtight container, up to 5 days. Reheat gently.
Freezer: Slice, wrap in parchment, and freeze for up to 3 months. Reheat from thawed in toaster oven at 160°C (325°F) for 10 minutes.
Do not freeze with fresh berries—use frozen (thawed and drained) or omit. - Tips and Notes
Use ripe bananas with brown spots for maximum sweetness and moisture. Avoid bananas with mold or off smells.
Letting the batter rest is key to avoiding a gritty texture. Don’t skip this step.
Measuring oats by weight ensures better texture and consistency than using volume alone.
For vegan versions, substitute the egg with a flax egg (1 tablespoon ground flaxseed mixed with 3 tablespoons warm water, set for 5 minutes).
Full-fat milk or full-fat oat milk gives the best texture; skim or low-fat milk may result in dryness.
Toss frozen berries in a teaspoon of oats before adding to the batter to reduce excess moisture and prevent sogginess.
If your baked oatmeal sinks after baking, it’s likely underbaked—use a toothpick test and check internal temperature (should be about 93–96°C/200–205°F).
To make smaller or larger portions, adjust ingredient quantities and baking times accordingly (e.g., halve for a 6-inch pan; double for a 9×13-inch pan).
Store leftovers properly for best freshness a