It is the moisture that is most important in a delicious chocolate banana bread. The ratio of banana to flour is key. If you use too much flour, it will be dry and if you use too much banana, it will be gooey in the middle. By following the recipe exactly, your bread should be moist like a cake.  If you followed the recipe and your bread is still too dry, it may be the way you measure your flour. Never use the measuring cup to scoop the flour out. Rather, use a spoon to fill the cup and then level it with the back of a knife for best results.