
This rich chocolate loaf hides a creamy peanut butter cheesecake ribbon through the center for a bakery-style slice at home. Dark chocolate chips add extra fudgy pockets, while a slow bake keeps the filling smooth and tender.
Make the filling: Beat the cream cheese and peanut butter together in a bowl until completely smooth and creamy.
Add 1 egg and beat until incorporated. Mix in the sugar, sour cream, and vanilla extract until the filling is silky, then cover and refrigerate for 30 minutes to firm slightly.
Prepare the pan and oven: Preheat the oven to 350°F/180°C fan-forced or convection, or 390°F/200°C for a standard oven. Grease an 8 1/2 x 4 1/4-inch loaf pan and line it with parchment paper, leaving overhang for easy lifting.
Make the chocolate batter: In a large bowl, whisk together the flour, baking powder, and sugar until evenly combined.
Melt the butter in a large heatproof bowl. Whisk in the vegetable oil and cocoa powder until smooth and glossy.
Whisk the eggs, yogurt, and vanilla extract into the chocolate mixture. Pour this into the dry ingredients and stir just until no dry flour remains, then fold in the dark chocolate chips.
Assemble the loaf: Stir the chilled peanut butter filling briefly to loosen it. It should be spoonable but not runny.
Spread one-third of the chocolate batter into the prepared loaf pan and smooth the surface.
Spoon the peanut butter cheesecake filling evenly over the batter and gently level it without pushing it into the chocolate layer.
Stir the hot water into the remaining chocolate batter to loosen it, then spread it carefully over the filling, covering it as evenly as possible.
Bake for 15 minutes, then reduce the oven temperature to 320°F/160°C fan-forced or convection, or 350°F/180°C standard. Continue baking for about 55 minutes, or until a skewer inserted into the top chocolate portion comes out with a few moist crumbs.
Let the loaf cool in the pan for 15 minutes, then lift it onto a wire rack using the parchment overhang. Cool completely before slicing so the cheesecake center can set.
Optional: Drizzle the cooled loaf with melted white chocolate, warmed peanut butter, or a mix of both before serving.
Use room-temperature cream cheese for the smoothest filling. Do not overmix the chocolate batter after adding the flour, or the loaf can turn dense. Slice only after the loaf is fully cool; the cheesecake layer needs time to set. Store covered in the refrigerator for up to 4 days and bring slices to room temperature before serving for the best texture.




