
Caramel banana nut layered dessert has become my go-to treat when I want something crowd-pleasing and nostalgic. The contrast of sweet bananas creamy filling crunchy nuts and gooey caramel feels decadent yet is so easy to prepare. This is especially perfect for potlucks or holiday gatherings since you can make it ahead and let the magic happen in the fridge.
When I first brought this to my book club everyone begged for the recipe. It disappears fast and always gets rave reviews.
Ingredients
- Yellow or spice cake mix or crushed vanilla wafers or graham crackers: Excellent base for soaking up caramel and adding texture. Pick a quality boxed cake or crunchy cookies with real butter flavor
- Cream cheese: Make sure it is full fat for a richer filling. Let it sit at room temperature so it blends easily without lumps
- Powdered sugar: Sweetens the filling gently and dissolves smoothly
- Vanilla extract: Gives depth to the creamy layer. Use pure vanilla if you can
- Frozen whipped topping: Adds luscious fluff and volume to the filling. Thaw completely or it will not mix in well
- Ripe bananas: Pick bananas with plenty of brown speckles for maximum flavor and aroma
- Caramel sauce: Slightly warm for easy drizzling. Choose a thick style with real dairy or make your own for extra richness
- Pecans or walnuts: Toast these for aroma and crunch. Freshly chopped always tastes best
- Extra nuts and banana slices: For a festive garnish and extra crunch. Only add bananas at the last minute to keep them fresh
Step-by-Step Instructions
- Make the Base Layer:
- If using cake bake in a nine by thirteen pan according to box directions. Cool completely then crumble into big pieces. If using cookies crush them and mix with melted butter then press into the dish to create a firm layer and chill
- Prepare the Cream Cheese Filling:
- In a large bowl beat softened cream cheese until creamy. Add powdered sugar and vanilla and mix until smooth and fluffy. Gently fold in thawed whipped topping using a spatula so the mixture stays light and airy
- First Layer Assembly:
- Spread one third of cake or crumb mixture across the dish. Add a single layer of half the banana slices. Dollop and gently spread one third of the cream cheese filling over bananas. Drizzle with caramel sauce and sprinkle with toasted nuts
- Repeat and Finish Layers:
- Add another third of crumbs then remaining banana slices followed by more cream cheese filling caramel and nuts. Finish with the last of the crumbs top with remaining cream cheese then a thick caramel drizzle and final nuts
- Chill and Garnish:
- Cover and refrigerate at least four hours to allow everything to meld. Just before serving top with whole pecans or walnut pieces and fresh banana slices for a gorgeous finish

I especially love the way the toasted nuts balance out the richness and sweetness. My grandma and I used to toast nuts together for holiday desserts and the scent always brings back those cozy kitchen memories.
Storage Tips
Leftovers should be tightly covered and stored in the fridge. This dessert stays fresh for up to three days. Add extra fresh banana slices just before serving since they can brown over time. I do not recommend freezing as the texture of the bananas and cream cheese filling can be affected.
Ingredient Substitutions
For a gluten free version use your favorite gluten free cookies for the base. If you are out of cream cheese swap in mascarpone. Dairy free whipped topping and vegan caramel also work well.
Serving Suggestions
Serve chilled straight from the dish with a big spoon or layer into individual cups for a prettier presentation. I often set out a bowl of extra caramel and nuts so everyone can customize each slice. A scoop of vanilla ice cream turns it into the ultimate sundae.
Cultural Note
Layered desserts like this have always been a staple at Southern get togethers. The tradition of combining cake cream and fruit in a dish goes back generations and always brings people together with comfort and joy.
Recipe FAQs
- → Can I use a no-bake crust instead of cake?
Yes, you can substitute cake with crushed vanilla wafers or graham crackers mixed with melted butter to form a no-bake crust.
- → What kind of nuts work best for the topping?
Pecans and walnuts are ideal for their rich, toasty flavor. Lightly toasting enhances their crunch and aroma.
- → How long should this dessert chill before serving?
For best results, chill for at least 4 hours or overnight to set the layers and allow the flavors to meld.
- → Can I prepare this dessert ahead of time?
Yes, it’s perfect for assembling a day ahead. Add fresh bananas and final garnishes just before serving.
- → How do I keep bananas from browning?
Layering bananas between cream and crumb helps slow browning. Add fresh slices for garnish right before serving.
- → Can I use homemade caramel sauce?
Absolutely! Homemade caramel adds a deeper flavor, but store-bought sauce works well for convenience.