Preheat oven to 350°F. Grease and flour a 9-by-5-inch loaf pan. Whisk flour, baking soda, baking powder and salt in a medium bowl.
In a large bowl, using an electric mixer on medium speed, beat together bananas, sugar, egg, oil, orange zest and 1/2 cup water until thoroughly combined, about 3 minutes. Reduce mixer speed to low and add flour mixture in 2 batches, beating after each addition until just combined. Scrape down sides of bowl.
Stir in walnuts, chocolate chips and oats. Pour batter into loaf pan and bake until bread is golden brown and a skewer inserted into center comes out clean, about 1 hour. Cool loaf in pan on a wire rack for 10 minutes, then remove from pan and let cool completely.
I made this recipe into 16 medium size muffins. The oatmeal gives it great texture and flavor. It was just the right amount of chocolate chips. I added 1t vanilla and also sprinkled some coarse sugar on top. I baked the muffins for 20min at 350.
This tasted good, but I made the following changes, used 1 cup of whole wheat pastry flour, 1 tsp of pumpkin pie spices, omitted orange zest (do not like orange and chocolate together), only had quick oats on hand. Almost missed the water because it was mentioned in the instruction only. Muffins are faster to bake and are good portion control, made (12) 1/4 cup size muffin tin, and then pour the rest into a 2 cup size Pyrex, baked the muffins for 25 mins. and the Pyrex one 30 mins. I miss the butter flavor, next time I might try using 4 TBS melted butter instead of oil.
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