Prep the pan and oven. Heat the oven to 350°F (175°C).
Grease a 9x5-inch loaf pan and line it with a parchment sling for easy removal.
Mash the bananas. In a large bowl, mash the bananas until mostly smooth with a few small lumps. You should have about 1 1/4 cups.
Blend in the wet ingredients. Add the cottage cheese, melted butter, eggs, brown sugar, and vanilla. Whisk until well combined.
Small cottage cheese specks are fine; they’ll melt into the batter as it bakes.
Whisk the dry ingredients. In a separate bowl, whisk the flour, baking soda, baking powder, salt, and cinnamon until evenly mixed.
Combine wet and dry. Add the dry mixture to the banana mixture. Stir gently with a spatula just until no dry flour remains. Do not overmix.
Add mix-ins (optional). Fold in nuts or chocolate chips, if using.
Keep it to about 1 cup total so the loaf stays tender.
Fill the pan. Scrape the batter into the prepared pan and smooth the top. If you like, sprinkle a few extra nuts or chips on top.
Bake. Bake for 55–70 minutes, depending on your oven. The loaf is done when a toothpick inserted in the center comes out mostly clean with a few moist crumbs.
Cool properly. Let the bread cool in the pan for 10–15 minutes.
Lift it out and cool on a rack for at least 1 hour before slicing. This helps set the crumb.
Slice and enjoy. Use a serrated knife for neat slices. Serve plain or with a thin smear of butter or peanut butter.