Rich Chocolate Loaf Bread

Featured in: Satisfy Your Sweet Tooth

This rich chocolate loaf delivers the perfect fusion of fudgy brownies and soft quick bread. It combines cocoa powder and melted chocolate chips, creating a dense, moist center that’s every chocolate lover’s dream.

The loaf is finished off with a creamy milk chocolate ganache, adding a luxurious touch. Whether you serve it with coffee, at brunch, or as a dessert, this treat is sure to satisfy cravings.

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Updated on Tue, 29 Apr 2025 19:49:38 GMT
A piece of chocolate loaf on a cutting board. Pin it
A piece of chocolate loaf on a cutting board. | tastefullyeats.com

This ultra-rich brownie bread combines the gooey texture of brownies with the easy format of a quick bread. Chocolate fans will go crazy for this treat that packs double chocolate flavor from both cocoa and melted chunks, staying perfectly moist for several days.

I came up with this treat during a cold-weather baking session when my folks wanted something "not just ordinary brownies." Whenever this bread bakes, it takes me back to that snug weekend, and we now turn to it whenever we need a serious chocolate fix.

What You'll Need

  • 1 cup milk chocolate chips: Mixed into the batter they create yummy melted spots throughout
  • 1 ¼ cups all purpose flour: Gives the bread structure but keeps it from getting too cake-like
  • ½ cup Dutch processed cocoa powder: Makes a richer chocolate taste than regular cocoa
  • ¼ teaspoon baking soda: Creates just enough lift while keeping that dense texture
  • 1 teaspoon kosher salt: Brings out every bit of chocolate goodness
  • 3 large eggs: Should be room temp for the best texture
  • 1 ¼ cups granulated sugar: Cuts the intensity of the dark chocolate flavors
  • ½ cup vegetable oil: Keeps everything moist long after baking
  • ¾ cup water: Gets the batter to just the right consistency
  • ½ cup milk chocolate chips: For topping grab good quality ones for the best melt
  • ¼ cup heavy cream: Don't swap this for lighter options if you want the right texture

How To Make It

Get Ready:
Set your oven to 325°F. This lower temp lets the bread cook through without getting dry. Coat a 9x5 inch metal loaf pan really well with cooking spray, getting into every corner.
Deal With The Chocolate:
Put chocolate chips in a bowl you can microwave. Heat them 30 seconds at a time, giving a good stir between rounds until smooth. Let it cool a bit so it won't scramble your eggs.
Mix Dry Stuff:
In another bowl, stir together flour, cocoa powder, baking soda, and salt until well mixed. This gets rid of lumps and spreads the baking soda evenly through the bread.
Start The Mix:
Using your stand mixer with the paddle, beat eggs and sugar for a full 5 minutes until it looks pale and gets fluffy. This long mixing puts air in the batter for the right texture.
Make The Batter:
With the mixer running slow, pour in melted chocolate, oil, and water. Mix until it looks glossy. Keep it slow so you don't lose all the air you just mixed in.
Put It All Together:
Slowly add your dry mix to the wet stuff, mixing just enough to get rid of lumps. Don't go overboard or your bread will turn tough.
Bake It Right:
Pour everything into your pan and bake for 85 to 90 minutes. It takes a while to make sure the middle sets properly while giving a slightly crisp outside. Stick a toothpick in to check for a few moist crumbs but no wet batter.
Cool It Down:
Let the bread sit in the pan at least 2 hours before taking it out or adding toppings. This cooling time helps it set up and lets the flavors blend.
Make The Topping:
Put chocolate chips in a bowl. Heat cream in a pot until tiny bubbles form at the edges. Pour hot cream over chocolate and don't touch it for 2 minutes, then gently stir until smooth.
Top It Off:
Let the chocolate mix cool until it thickens a bit before pouring over your bread. It should pour easily but not be so hot it soaks into the bread. Wait 10 to 15 minutes before cutting.
A chocolate cake on a cooling rack. Pin it
A chocolate cake on a cooling rack. | tastefullyeats.com

This brownie bread takes me back to my grandma's chocolate cake but with extra oomph. The Dutch cocoa really matters here because it gives that deep chocolate kick you just can't get from the regular stuff. The first time I brought this to a family get-together, my chocolate-crazy uncle asked for my recipe before he'd even finished his first piece.

Keeping It Fresh

Keep your brownie bread in a sealed container at room temp for up to 4 days. Thanks to the oil, it won't dry out quickly. Need to save it longer? Wrap single slices in plastic then foil and pop them in the freezer for up to 3 months. Let frozen slices thaw in your fridge overnight for the best results.

What To Serve With It

This brownie bread gets even better with the right sides. Try warming a slice for 15 seconds and adding a scoop of vanilla ice cream for an amazing hot-cold combo. Some whipped cream and fresh raspberries cut through the richness perfectly. If you're a coffee fan, eating a slice with your morning espresso feels like a fancy café treat at home.

Fixing Common Issues

Don't worry if your bread dips a little in the middle after baking. That's normal for such a fudgy loaf. If it sinks a lot, your oven might be running too hot. Grab an oven thermometer to check. Want neat slices? Use a sharp knife dipped in hot water and wiped clean between cuts. Is your topping too thick? Add warm cream, just a teaspoon at a time, until it flows right.

A slice of chocolate cake on a wooden cutting board. Pin it
A slice of chocolate cake on a wooden cutting board. | tastefullyeats.com

Your family will ask for this treat again and again—it's a chocolate lover's dream that works for any occasion!

Frequently Asked Questions

→ Can I switch milk chocolate for dark chocolate?

Absolutely, you can use dark chocolate instead for a bolder and less sweet taste. Semi-sweet chocolate is also a great middle option.

→ What's the best way to store it?

Keep it in a sealed container at room temp for up to 3 days. For longer storage, refrigerate up to a week. To freeze, wrap slices in plastic and foil—they’ll keep for 3 months.

→ Why did my loaf sink in the middle?

This might happen if the loaf wasn’t baked long enough, the oven ran too hot, or you opened the oven while it baked. Check doneness with a toothpick and leave in the pan to cool completely.

→ Can I skip the stand mixer?

Yes, a hand mixer works just fine. Whipping the eggs and sugar may take a bit longer, or you can whisk it all by hand if you're up for it.

→ What extras can I add?

Try tossing in walnuts or pecans, chocolate chunks, a bit of vanilla extract, a hint of espresso powder, or even a little peppermint extract for a festive twist.

→ When’s it done baking?

Insert a toothpick in the center. If it comes out with some crumbs but no wet batter, it’s ready. The top should look set with slight cracks, and the edges will pull away from the pan.

Decadent Chocolate Loaf

A dense, fudgy chocolate loaf featuring chocolate chips and a silky milk chocolate ganache on top.

Prep Time
20 Minutes
Cook Time
90 Minutes
Total Time
110 Minutes
By: Barbara

Category: Delicious Desserts

Difficulty: Intermediate

Cuisine: American

Yield: 10 Servings (1 loaf)

Dietary: Vegetarian

Ingredients

→ Bread

01 ¾ cup water
02 ½ cup (168 g) milk chocolate chips
03 ½ cup (109 g) vegetable oil
04 3 large eggs, at room temperature
05 ¼ teaspoon baking soda
06 1 ¼ cups (250 g) granulated sugar
07 1 teaspoon kosher salt
08 ½ cup (59 g) Dutch-processed cocoa powder
09 1 ¼ cups (156 g) all-purpose flour

→ Milk Chocolate Ganache

10 ¼ cup (59.5 g) heavy cream
11 ½ cup (84 g) milk chocolate chips

Instructions

Step 01

Turn on the oven to 325°F and coat a 9x5-inch metal loaf pan with nonstick spray.

Step 02

Place chocolate chips into a microwave-safe bowl. Heat in bursts of 30 seconds, stirring each time, until completely melted and smooth. Let it cool a bit.

Step 03

In a medium-sized bowl, stir together the flour, cocoa powder, baking soda, and salt.

Step 04

Using a stand mixer and the paddle attachment, beat the eggs and sugar for about 5 minutes until they’re fluffy and pale.

Step 05

Lower the mixer speed and pour in the melted chocolate, water, and vegetable oil. Mix until combined and smooth.

Step 06

Gradually add the dry mix to the wet base, stirring just enough to get rid of any lumps.

Step 07

Pour the batter into the prepared pan. Bake for 85–90 minutes, or until a toothpick poked into the middle comes out a little crumbly but not wet.

Step 08

Leave the loaf in the pan until it’s fully cooled before you add the ganache.

Step 09

Put the chocolate chips into a bowl that’s safe for heat.

Step 10

Warm the heavy cream in a saucepan over medium heat until it just starts bubbling. Stir it now and then to avoid scorching.

Step 11

Carefully pour the warm cream over the chocolate chips. Wait a couple of minutes, then gently stir until the chocolate’s melted and smooth.

Step 12

After the ganache has thickened up a little, drizzle it over the cooled loaf.

Step 13

Let the ganache settle for about 10–15 minutes, then cut the loaf into slices and serve.

Notes

  1. This dessert is like a brownie turned into a loaf—rich, chocolate-packed, and soft.
  2. For a better finish, let the ganache cool a little before spreading it.

Tools You'll Need

  • Oblong 9x5 loaf pan
  • Stand mixer and paddle attachment
  • Bowl safe for microwaving
  • Saucepan for heating
  • Bowl that won’t melt from heat
  • Whisk for mixing

Allergy Information

Please check ingredients for potential allergens and consult a health professional if in doubt.
  • Includes eggs
  • Has dairy (milk chocolate, cream)
  • Has gluten (flour)

Nutrition Facts (Per Serving)

It is important to consider this information as approximate and not to use it as definitive health advice.
  • Calories: 325.5
  • Total Fat: 16.2 g
  • Total Carbohydrate: 42.3 g
  • Protein: 4.8 g