Follow these simple steps to create your Banana Bread with Cream Cheese Filling:

1. Preheat the Oven: Preheat your oven to 350°F (175°C). Grease and flour a 9×5-inch loaf pan.

1. Mix Wet Ingredients: In a large bowl, mash the ripe bananas with a fork. Then, mix in the granulated sugar, brown sugar, melted butter, beaten egg, and vanilla extract until combined.

1. Combine Dry Ingredients: In a separate bowl, whisk together the baking soda, salt, and all-purpose flour.

1. Combine Mixtures: Gradually add the dry ingredients to the banana mixture, stirring gently until just combined. Avoid over-mixing.

1. Prepare the Cream Cheese Filling: In a medium bowl, beat together the softened cream cheese, powdered sugar, vanilla extract, beaten egg, and lemon juice until smooth.

1. Layer the Bread: Pour half of the banana bread batter into the prepared loaf pan. Spread the cream cheese filling evenly over the batter. Then, pour the remaining banana bread batter on top, making sure to cover the filling.

1. Swirl the Batter: Using a knife, gently swirl the knife through the batter to create a marbled effect. Be careful not to mix it too much.

1. Bake: Place the loaf pan in the preheated oven and bake for 60 minutes or until a toothpick inserted into the center comes out clean.

1. Cool: Once baked, allow the banana bread to cool in the pan for 15-20 minutes. Then, transfer it to a wire rack to cool completely.

1. Slice and Enjoy: Once cooled, slice and enjoy your delicious Banana Bread with Cream Cheese Filling!