Preheat your oven to 350 F / 175 C and grease two 8.5 in. x 4.5 in. loaf pans with non-stick spray or butter. If you want to only make one loaf, half the ingredients and use 1 large egg + 1 large egg white.
Mash up 4, large, overripe bananas using either a fork or an electric mixer. Mix in 2 Tbsp of lemon juice to prevent the bananas from browning and brighten up their flavor. You should end up with about 2 cups of mashed bananas. Set aside.
Add 3/4 cup unsalted butter and 1 1/4 cups granulated sugar into a large bowl. Beat on a medium-high speed for 2-3 minutes with either a hand mixer or a stand mixer fitted with a whisk attachment. The mixture should become lighter in color.
Mix in 3 large eggs on a medium speed until fully combined. Scrape the sides and bottom of the bowl as needed with a rubber spatula.
Add in 2 cups of all-purpose flour, 1 Tbsp baking powder, 1 tsp baking soda, and 1 tsp salt. Mix on a low speed until just combined. Then pour in 3/4 cup of milk and mix on a low speed until it's incorporated.
Mix in the remaining 1 1/2 cups of flour on low just until you can no longer see streaks of flour.
Next, mix in the mashed banana/lemon juice mixture on a low speed until it's fully incorporated into the batter. If desired, fold in chocolate chips and/or toasted nuts. Divide the batter evenly between the prepared pans.
To dress up my banana bread, I like to sprinkle 2 tsp of granulated or turbinado sugar over the top of each loaf to create a crunchy, caramelized top. I also like to cut a medium-sized banana in half lengthwise and press it on top of the batter as a garnish.
Bake the loaves on the upper baking rack for 55-65 minutes, rotating the pans halfway through to make sure they bake evenly. If you notice the tops of the loaves are browning too much, place a foil tent over each loaf to protect the top while allowing the bread to finish baking.
Remove the loaves from the oven and let them fully cool in the pan. Wait to slice the banana bread until it is fully cooled!! If it's still warm, it will be difficult to cut.