Step 1: Preheat the Oven
Set your oven to 425°F (218°C). Either use nonstick spray on a 12-cup muffin pan or line with paper liners.
Step 2: Make the Streusel Topping (Optional)
Mix flour, brown sugar and cinnamon in a small bowl. Add cold cubed butter and cut in with a fork or your fingers until mixture resembles coarse crumbs. Set aside.
Step 3: Prepare the Flour Mixture
Combine flour, baking powder, baking soda, salt, cinnamon, and nutmeg in a medium bowl. Whisk to ensure the spices and leavening agents are evenly distributed.
Step 4: Mix the Wet Ingredients
Mash bananas in a large bowl or stand mixer. Add melted butter, vegetable oil, brown sugar, egg, vanilla, and milk. Blend until smooth.
Step 5: Combine Wet and Dry
Add the dry ingredient mix to the wet, stirring just until blended. Do not overmix. If using nuts or chocolate chips, fold them in gently.
Step 6: Fill and Top
Spoon batter into the muffin cups, filling to the top. If using streusel, sprinkle generously over each muffin.
Step 7: Bake
Bake at 425°F for 5 minutes, then lower heat to 350°F (177°C) and bake another 16-18 minutes. The high initial heat creates a nice dome shape, and lowering the temperature prevents over-browning. Muffins are done when a toothpick inserted in the center comes out clean.
Step 8: Cool
Let muffins cool in the pan for 5 minutes, then transfer to a wire rack. If you can’t wait that long, no judgement – they’re amazing warm.