Step 1: Preheat your oven to 350°F (175°C). This ensures that your muffins bake evenly and rise perfectly.
Step 2: In a large mixing bowl, combine 1 cup of all-purpose flour, 1 cup of granulated sugar, 1 teaspoon of baking soda, 1 teaspoon of salt, and 1 teaspoon of baking powder. Whisk together until evenly mixed.
Step 3: To the dry ingredients, add 1 cup of mashed ripe bananas, 1/3 cup of vegetable or canola oil, 1/2 cup of sour cream, 1 large egg, and 1 teaspoon of vanilla extract. Mix until just combined. Be careful not to overmix; a few lumps are okay.
Step 4: Gently fold in 1 cup of mini semi-sweet chocolate chips into the muffin batter. This will add bursts of chocolatey goodness in every bite!
Step 5: In a separate bowl, combine 1/3 cup of granulated sugar, 1/2 cup of light brown sugar, 1/3 cup of all-purpose flour, and 1/4 cup of cold, cubed unsalted butter. Use a fork or pastry cutter to mix until crumbly. If desired, sprinkle in a little cinnamon for extra flavor.
Step 6: Grease your muffin pan or line it with paper liners. Use a spoon or ice cream scoop to fill each muffin cup about 2/3 full with the batter. Then, generously sprinkle the streusel topping over each muffin.
Step 7: Place the muffin pan in the preheated oven and bake for 18-20 minutes, or until a toothpick inserted into the center of a muffin comes out clean. The tops should be golden brown and spring back when lightly pressed.
Step 8: Remove the muffins from the oven and let them cool in the pan for about 5 minutes before transferring them to a wire rack to cool completely. Enjoy warm or at room temperature!