Preheat oven to 350°. Line a 9x5 loaf pan with parchment paper. Set aside.
In a medium bowl, combine cream cheese, peanut butter, egg, and sugar. Using a hand mixer, beat until smooth. Place in refrigerator while making banana bread batter.
In a large bowl, mash bananas with a fork. Add butter, sugar, eggs, and vanilla. Whisk until smooth. Add flour, cocoa powder, and baking soda. Stir again until smooth and no flour remains. Fold in chocolate chips until fully incorporated.
Add half the batter into prepared loaf pan, add peanut butter layer on top in a smooth layer, then top with the rest of the chocolate batter. Smooth top and place in the oven to bake, 1 hour and 5 minutes, or until a toothpick inserted in the center comes out clean.
Let cool 15 minutes. Slice and serve.
