In a mixing bowl, whisk together the flour, white sugar, ¼ cup brown sugar, baking soda, and salt. Ensure the dry ingredients are well combined and set the bowl aside.

In a separate mixing bowl, add in the ripe bananas and mash them up using a mashing tool or a fork until they form a smooth consistency. Then, add the beaten egg, ⅓ cup of softened butter, and vanilla extract. Mix that together until the ingredients are fully combined, resulting in a smooth texture.

Add the wet ingredients into the bowl of dry ingredients. Carefully fold the mixture together just until combined. DO NOT OVERMIX IT, as this can result in a denser texture.

In a separate small bowl, toss the chocolate chips with ½ tbsp of flour (this will prevent the chips from sinking to the bottom of the batter during baking). Gently fold the flour-coated chocolate chips into the banana bread batter. You can also add walnuts if you’d like!

Grease a loaf pan with about 2 tbsp of salted butter and dust the greased pan with a little bit of flour. Also, sprinkle about a tsp of brown sugar on the bottom of the pan for an extra touch of sweetness. Now, Pour the batter into the greased loaf pan, ensuring it is evenly distributed.

Place the loaf pan in a 350°F preheated oven and bake it for 45 - 50 minutes. Once it's done, remove the banana bread from the oven, and let it cool in the pan for 3 - 5 minutes. Then, remove it from the loaf pan and transfer it to a wire rack to cool completely before slicing. Serve and enjoy!