Prep the pan and oven: Heat the oven to 350°F (175°C). Grease a 9x5-inch loaf pan and line with a parchment sling for easy removal.
Mash the bananas: In a large bowl, mash the ripe bananas until mostly smooth with a few small lumps.
Aim for about 1 1/2 cups.
Whisk in wet ingredients: Add the eggs, melted butter (or oil), vanilla, and sourdough discard. Whisk until smooth and fully combined.
Mix the dry ingredients: In a separate bowl, whisk flour, baking soda, baking powder, salt, and cinnamon. This prevents clumps and ensures even rise.
Combine gently: Add the dry ingredients to the wet mixture.
Stir with a spatula just until no dry streaks remain. Do not overmix; a few small lumps are fine.
Add mix-ins: Fold in chocolate chips or nuts if using. Keep 1–2 tablespoons aside to sprinkle on top for a nicer finish.
Fill the pan: Scrape the batter into the prepared loaf pan. Smooth the top and sprinkle with the reserved mix-ins or a little coarse sugar for crunch.
Bake: Bake for 55–70 minutes, depending on your oven.
The loaf is done when a toothpick inserted in the center comes out clean or with a few moist crumbs. Tent with foil during the last 15 minutes if the top browns too fast.
Cool properly: Let the bread cool in the pan for 15 minutes, then lift it out and cool completely on a wire rack. This sets the crumb and makes slicing cleaner.
Slice and enjoy: Use a serrated knife for neat slices. Serve warm or at room temperature.