Set your oven to 350°F so it's fully heated by the time your batter is ready. Line your loaf pan with parchment paper, leaving a little overhang on the sides. This makes lifting the finished loaf out so much easier later.
Grab your ripest bananas and mash them in a large bowl with a fork until mostly smooth. A few small lumps are totally fine and actually add nice texture to the finished bread. The riper the bananas, the deeper and sweeter the flavor will be.
Add the melted butter, sugar, eggs, and vanilla extract right into the bowl with your mashed bananas. Whisk everything together until it's smooth and well combined. You don't need an electric mixer here; a simple whisk does the job perfectly.
In a separate bowl, whisk together the flour, baking soda, and salt. Mixing these dry ingredients separately first helps the baking soda distribute evenly through the flour. This step only takes a minute but makes a real difference in texture.
Pour the dry ingredients into the wet mixture and stir gently with a spatula until just combined. Stop as soon as you no longer see streaks of flour. Overmixing at this stage is the number one reason banana bread turns out tough instead of tender.
Gently fold in your chocolate chips, saving a small handful to sprinkle on top of the batter later. This gives the finished loaf that bakery-style look with chocolate peeking through the golden crust.
Pour the batter into your prepared pan and smooth the top with your spatula. Bake for 55 to 60 minutes, checking around the 45-minute mark and tenting with foil if the top is browning too quickly.
Let the bread cool in the pan for about 10 minutes before transferring it to a wire rack. I know it's tempting, but letting it cool completely before slicing keeps it from crumbling apart.