Bakery-Style Banana Muffins: Your Guide to Perfectly Moist & Domed Streusel Topped Treats
Imagine biting into a banana muffin that transports you straight to your favorite local bakery – a muffin with an irresistibly high, domed top, a delightful crunch from a sweet streusel, and a wonderfully moist, tender crumb within. If that’s what you’re craving, then you’ve found the ultimate recipe! These exquisite muffins are incredibly easy to make, yielding a super moist texture and requiring just two perfectly ripe bananas to achieve their remarkable flavor. The buttery streusel topping, which comes together in mere minutes, adds a delightful sweet crunch to every single bite. The best part? These homemade bakery-style delights are ready to enjoy in just about 30 minutes, making them perfect for a quick breakfast, a comforting snack, or a delightful dessert.

If you’ve got those beautifully spotty, overripe bananas patiently waiting on your counter, this recipe is their true calling. While you can make banana muffins with just-ripe bananas, my extensive testing has proven that the extra-ripe ones make a monumental difference in both the moisture content and the depth of flavor. The natural sugars in overripe bananas caramelize beautifully during baking, contributing to that rich, authentic banana taste we all adore. Using less ripe bananas often results in a denser muffin with smaller tops and a less intense banana flavor, so for that authentic bakery experience, don’t shy away from those dark spots!
Every bite of these muffins offers a harmonious blend of textures: the soft, fluffy interior, the perfectly sweet banana notes, the impressive high domed tops, and the irresistible crunch of the streusel topping. It’s a symphony for your taste buds.
As a professionally trained pastry chef,I am continuously experimenting to perfect the moistest muffin crumb possible, and this recipe truly hits every mark. The secret to this exceptional moisture and tenderness lies in a carefully balanced combination of ingredients: melted butter for its rich, indulgent flavor, a neutral oil to ensure unparalleled softness, and a generous scoop of Greek yogurt, which adds a subtle tang and helps keep everything incredibly tender and perfectly balanced. This thoughtful blend creates a muffin that remains moist for days.
Unlike some banana bread or muffin recipes that demand a large stash of fruit, this particular recipe uses just two medium-sized bananas. This makes it ideal when you have a couple of lonely, browning bananas that need rescuing, much like my popular banana chocolate chip muffins. So, if you’re not “swimming in extras,” this recipe is your perfect solution.
For those who prefer banana recipes made entirely with oil, or simply wish to explore other delicious options, I highly recommend my ultra-moist banana bread made with oil, or my reader-favorite banana cake with oil—all are incredibly delicious and require no butter at all.
Crafting the Perfect Streusel Topping
The streusel topping is a non-negotiable element for truly bakery-style muffins. To ensure it bakes up with that perfectly craggy, sweet, and crunchy texture, it’s crucial to prepare it first and pop it into the fridge while you mix the muffin batter. Keeping the butter in the streusel cold is key; it prevents the butter from melting too quickly in the oven, allowing the streusel to form beautiful, distinct clumps rather than simply melting into the muffin top. You could certainly make these muffins without the streusel, but trust me, it adds an irresistible dimension that you won’t want to miss! It’s the crowning glory of these fantastic muffins.

Baking Bakery-Quality Muffins
For these magnificent banana muffins, we adhere to the classic muffin mixing method—a foolproof technique that consistently delivers light, fluffy results. It’s the same straightforward approach I employ in all my homemade muffin recipes: first, combine the wet ingredients; then, whisk together the dry ingredients; and finally, gently combine the two. There’s no need for a fancy stand mixer here; a couple of bowls and a whisk are all you’ll require!




This gentle mixing technique is vital for keeping the batter light and preventing overmixing. Overmixing flour activates too much gluten, which can lead to dense, rubbery muffins—the opposite of what we’re aiming for. By carefully separating the wet and dry ingredients and then gently folding them together with a large spatula until just combined, you guarantee soft, fluffy muffins with that ideal bakery-style texture every single time. It’s perfectly fine if the batter looks a bit lumpy and thick; that’s the sign of a perfectly mixed muffin batter.


The specialized baking technique, involving an initial blast of high heat followed by a reduction in temperature, is a game-changer. The high temperature at the beginning of baking causes the muffin batter to rise rapidly and sets the exterior, creating that coveted domed top. Then, lowering the temperature allows the interior of the muffin to bake through gently and evenly without over-browning the outside. This two-stage baking process is the foolproof way to achieve consistently gorgeous, sky-high domed tops every time.
Yield and Banana Considerations
Due to the natural variation in banana sizes, this recipe can yield anywhere from 12 to 16 muffins. For the best results and usually a perfect dozen, I recommend using small to medium-sized overripe bananas. If your bananas are particularly large, you might get slightly fewer muffins, but they will be even more gloriously banana-packed!
Tips for Muffin Making Success
To ensure your bakery-style banana muffins turn out absolutely perfect, here are a few extra tips:
- Choose Your Bananas Wisely: The spottier, the better! Black-speckled or even fully blackened bananas are ideal. They are sweeter and contribute significantly more moisture and flavor.
- Don’t Overmix: As stressed throughout the recipe, gentle folding is key. Stop mixing as soon as the dry ingredients are just incorporated. Lumps are good! Overmixing leads to tough muffins.
- Fill ‘Em Up: For those impressive domed tops, don’t be afraid to fill your muffin liners almost to the very top. The leavening agents combined with the initial high heat will do their magic.
- Cool Properly: Allow the muffins to cool in the pan for 5-10 minutes before transferring them to a wire rack to cool completely. This prevents them from becoming soggy and allows them to set properly.
- Storage: Store cooled muffins in an airtight container at room temperature for up to 3 days, or in the refrigerator for up to a week. For longer storage, freeze them in a freezer-safe bag for up to 3 months. Thaw at room temperature or warm gently in the microwave.
Variations to Explore
While these streusel-topped banana muffins are perfect as is, feel free to get creative with additions:
- Chocolate Chips: Stir in 1/2 to 1 cup of your favorite chocolate chips (dark, semi-sweet, or milk) into the batter before scooping.
- Nuts: Add 1/2 cup of chopped walnuts or pecans for extra texture and a nutty flavor.
- Spices: Enhance the warm notes with a pinch of cinnamon or nutmeg in the muffin batter.
- Extra Banana: For an even more intense banana flavor, you can try adding an extra small banana, just be mindful of the batter consistency.
Ready to bake the best banana muffins of your life? Let’s get to the detailed recipe!

Moist Bakery Style Banana Muffins (2 bananas)
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Ingredients
For the Streusel Topping:
- 1/2 cup all-purpose flour, 60g
- 1/4 cup brown sugar, 48g
- 2 tbsp granulated sugar
- 1/8 tsp kosher salt
- 1/4 cup unsalted butter, cold, diced small
For the Muffins:
- 2 1/2 cups all-purpose flour, 300g
- 1 cup granulated sugar, 200g
- 2 tsp baking powder
- 1/2 tsp baking soda
- 1/2 tsp kosher salt
- 1/4 cup unsalted butter, melted
- 2 bananas, small- med, spotty and overripe
- 1/4 cup vegetable oil
- 1/4 cup Greek yogurt, 60g
- 2 large eggs
- 1 tbsp vanilla extract
Instructions
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**Prepare the Streusel:** In a medium bowl, combine the 1/2 cup all-purpose flour, 1/4 cup brown sugar, 2 tablespoons granulated sugar, 1/8 teaspoon kosher salt, and 1/4 cup cold diced unsalted butter.
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Using your fingertips, gently pinch and rub the butter into the dry ingredients until small, pea-sized clumps form. Do not overmix. Place the bowl in the refrigerator while you prepare the muffin batter to keep the streusel cold.
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**Prepare for Baking:** Preheat your oven to 425°F (220°C). Line a 12-cup muffin tin with paper liners.
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**Mix Dry Ingredients:** Take out two medium-sized bowls. In one bowl, combine the 2 1/2 cups all-purpose flour, 1 cup granulated sugar, 2 teaspoons baking powder, 1/2 teaspoon baking soda, and 1/2 teaspoon kosher salt. Whisk lightly until thoroughly combined.
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**Prepare Wet Ingredients:** In the second, larger bowl (this will be your main mixing bowl), add the 1/4 cup unsalted butter and microwave in 30-second intervals until fully melted. Add the 2 overripe bananas and mash them well with a fork directly into the melted butter.
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To the banana-butter mixture, add the 1/4 cup vegetable oil, 1/4 cup Greek yogurt, 2 large eggs, and 1 tablespoon vanilla extract. Whisk all the wet ingredients together until well combined.
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**Combine Wet and Dry:** Add all the dry ingredients into the wet ingredients at once. Using a large spatula, lightly and gently fold the ingredients together. Mix just until no large streaks of flour are visible. Be careful not to overmix; the batter will be thick and quite lumpy, which is desired.
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**Fill Muffin Tin:** For accuracy and to ensure consistent muffin tops, use an ice cream scoop to generously portion the batter into the prepared muffin tin, filling each liner almost all the way to the top.
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**Add Streusel:** Retrieve the chilled streusel from the fridge and liberally sprinkle it over the tops of the muffins. Don’t worry if some streusel falls onto the muffin tin; it will crisp up nicely.
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**Bake the Muffins:** Bake at 425°F (220°C) for the first 7 minutes. Then, without opening the oven door, reduce the temperature to 350°F (175°C) and continue to bake for another 13 minutes, or until a wooden skewer inserted into the center of a muffin comes out clean or with moist crumbs attached.
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**Cool:** Remove the muffins from the oven and let them cool in the tin for 5-10 minutes. Then, transfer them to a wire rack to cool completely.