Preheat the oven to 350°F and lightly grease your loaf pan or line it with parchment paper.

In a large bowl, whisk together the whole wheat flour, cocoa powder, baking soda, baking powder, and salt until evenly combined.

Mix Wet Ingredients:

In another bowl, mash the ripe bananas with a fork or masher. Add the Greek yogurt, applesauce, honey or syrup, eggs, and vanilla. Whisk until smooth and blended.

Pour the wet ingredients into the dry mix and stir gently just until combined. Do not overmix — a few small lumps are fine.

Add Optional Ingredients:

Fold in dark chocolate chips and/or nuts if using.

Pour the batter into the prepared loaf pan and smooth the top. Bake for 45–55 minutes, or until a toothpick inserted into the center comes out clean or with just a few moist crumbs.

Allow the bread to cool in the pan for 10 minutes, then transfer it to a rack to cool completely before slicing.