In a medium bowl, combine the flour and baking soda. Set aside.

In a large bowl, mix mashed bananas, granulated sugar, and light brown sugar with a whisk until well combined.

Add oil, milk, and eggs. Whisk again for a minute.

Using a spatula, fold in the flour mixture in three additions, stirring just until combined.

Fold in the vanilla extract and the chocolate chips.

Pour the mixture into a greased 9” x 5” loaf pan and bake in a preheated 325F oven for more or less 1 hour 20 minutes.

Let it cool for roughly 30 minutes before serving. Yum 😋

Note: If you don’t finish the bread in one sitting, wrap it in aluminum foil to keep it soft and moist. You can freeze it in the freezer for at least a month.