Baked Steel Cut Oatmeal


This baked steel cut oatmeal is loaded with banana slices, chia seeds, cinnamon and studded with nuts. It’s vegan, gluten-free and the perfect make-ahead breakfast for busy mornings.

I’ve only shared one other baked steel cut oatmeal recipe and figured it was about time to share more. This is a classic, base recipe that can be customized with additional mix-ins or toppings. It’s perfect to make ahead of time to enjoy on a busy morning!

An overhead photo of an 8x8 baking dish with baked steel cut oats topped with banana slices and pecans.

Why You’ll Love This Recipe

  • It’s made in one bowl… one! I’m all for minimal kitchen clean up.
  • It’s packed with nutrition. Steel cut oats are the least processed oats so they’re packed with fiber and other important nutrients.
  • It’s the perfect meal prep breakfast! I love making a batch on the weekend and enjoying healthy breakfasts all week long.
A closeup serving of baked steel cut oatmeal on a plate drizzled with maple syrup.

Steel Cut Oatmeal vs. Rolled Oats

To start, let’s cover the basics! Steel cut oats are the least processed type of oats. The oat groat (the full oat “grain”) is simply cut into two or three parts to get steel cut oats. Because they are less processed, they absorb more liquid and take longer to cook/soak than rolled oats.

Rolled oats are oat groats that are steamed and then rolled. This processing allows rolled oats to soak up liquid rather quickly, which is why traditional overnight oats don’t need to be cooked at all.

When it comes to nutrition, there are only minor differences nutritionally. Steel cut and old fashioned/rolled oats both have approximately the same amount of fiber, protein, calories, and other nutrients. I personally don’t view one type of oatmeal better than the other. I tend to prefer steel cut oats and rolled oats for breakfast recipes.

I’ve got over 20 baked oatmeal recipes on my site if you’re looking for more.

Ingredients measured out to make baked steel cut oatmeal: steel cut oats, chia seeds, pecans, bananas, coconut oil, cinnamon, vanilla, almond milk, sea salt and maple syrup.

Here’s What You Need

  • steel cut oats – the least processed of all oats and have an awesome chewy texture. They take a little longer to cook than rolled oats but so worth it! I like using Bob’s Red Mill steel cut oats.
  • chia seeds – adds healthy fats and fiber to this recipe and also helps bind the oatmeal together. If you don’t have chia seeds on hand, feel free to swap them for ground flaxseed or a regular egg if you don’t need this recipe to be vegan!
  • maple syrup – pure maple syrup is the perfect natural sweetener to use for baked oatmeal in my opinion!
  • coconut oil – make sure you’re using extra virgin coconut oil. I’ve purchased several different brands of coconut oil before, but Nutiva organic extra virgin coconut oil is my favorite.
  • cinnamon – adds the perfect spice and flavor to the oatmeal.
  • vanilla – a flavor enhancer.
  • sea salt – brings all of the flavors together.
  • unsweetened almond milk – any dairy-free milk works but I used unsweetened vanilla almond milk. You can make your own following my homemade almond milk recipe. I recommend allowing this to come to room temperature before mixing in for the best results.
  • pecans or walnuts – any type of nut works in this oatmeal but I like using pecans or walnuts! Nuts add a delicious flavor and texture to the oatmeal, but you can omit them.
  • bananas – you’ll mash one banana to mix into the rest of the batter and then top the oatmeal with slices of bananas. Adds a delicious natural sweetness and banana flavor to the recipe.
Collage of four photos, showing how to mix the mixture for baked steel cut oatmeal, pouring into a dish and baking.

How to Make Baked Steel Cut Oatmeal

Making baked oatmeal is so simple! Start by mashing one banana in a large bowl using a fork. Mix in the oats, chia seeds, maple syrup, coconut oil, cinnamon, vanilla and sea salt. Next, add in the almond milk and half the nuts, then stir everything until combined.

Spray an 8×8 pan with cooking spray or coat with coconut oil. Pour the oatmeal mixture into the baking dish and scatter the remaining nuts and banana slices on top. Bake at 375ºF for 50-60 minutes. The oatmeal is done when the top is golden brown and the center is cooked through – you can insert a toothpick in the center to check! If it’s a little gooey, it needs more cooking time.

A baking dish containing baked steel cut oats topped with banana slices and pecans. A serving has been removed from the bottom corner.

What to Serve with Baked Oatmeal

This recipe is such a great base recipe for breakfast or brunch. A hearty meal on its own, it can also be paired with a variety of foods for a more filling breakfast! Here are some ideas:

How to Store and Reheat

This baked oatmeal is a great meal prep recipe. You can store it in an airtight container in the refrigerator for 4-5 days or in the freezer for up to 3 months. When freezing, I recommend cutting the oatmeal into portions, wrapping each in plastic wrap and placing the portions in a large freezer bag. The individual servings make it easier for reheating. 

To reheat the entire pan of baked oatmeal: cover with foil and reheat in the oven at 350ºF for about 20 minutes or until warm. 

To reheat individual portions: set oven or toaster oven to 350ºF and bake for 5-10 minutes. You can also reheat in the microwave for 1 minute. Once warm, add your toppings and enjoy!

A serving of baked steel cut oats on a plate, drizzled with maple syrup. A spoon is removing a bite.


Can I swap the chia seeds with something else?

If you don’t need this recipe to be vegan, you can swap the chia seeds for 1 regular egg. You could also use ground flaxseed or skip the binder altogether. I’ve found that the baked oatmeal still turns just fine without using a binder.

What can I use instead of coconut oil?

You can skip the coconut oil or swap it with another oil, melted butter (or ghee) or even applesauce or more mashed banana.

What if I don’t like bananas?

You can swap the mashed banana for applesauce, pumpkin puree or mashed sweet potato. I would start with 1/3 cup as a sub for the one mashed banana. You can easily skip the banana slices on top or swap them for another topping of choice… berries, more nuts/seeds, chocolate chips, etc. The flavor variations are endless!

What if I have a nut allergy?

Feel free to skip the nuts all together or swap them with a seed like pepitas or sunflower seeds!

My baked oatmeal turned out soggy. What happened?

This recipe is a bit soft, but shouldn’t be too soggy. Make sure the mashed bananas aren’t overly ripe or that could add extra liquid. If yours turns out gooey or soggy, you might need to cook it longer.

Can I add protein powder to baked oatmeal?

I’ve added a scoop of protein powder without adding in more liquid and it turned out just fine! If you’re adding more than one scoop of protein powder you might want to add more liquid.

Do I have to use almond milk?

No! Feel free to use any milk of choice (dairy or non-dairy milk works)! You can also use water if you prefer, I just personally like how the milk adds some creaminess.

More Steel Cut Oats Recipes

Popular Baked Oatmeal Recipes

Be sure to check out all of my oatmeal recipes here on EBF.

Baked Steel Cut Oatmeal

5 from 13 votes
This baked steel cut oatmeal is loaded with banana slices, chia seeds, cinnamon and studded with nuts. It's vegan, gluten-free and the perfect make-ahead breakfast for busy mornings.
An overhead photo of an 8x8 baking dish with baked steel cut oats topped with banana slices and pecans.
Prep Time 10 minutes
Cook Time 55 minutes
Total Time 1 hour 5 minutes
Servings 6



  • Preheat oven to 375°F. Spray an 8×8 pan.
  • In a large mixing bowl mash one banana using a fork. Then add oats, chia seeds, maple syrup, coconut oil, cinnamon, vanilla and sea salt. Stir well to combine. Add in almond milk, and half the nuts. Stir everything together once more.
    Mashed banana, oats, chia seeds, maple syrup, coconut oil, cinnamon, vanilla and sea salt in a mixing bowl.
  • Place oatmeal mixture into a greased baking dish. Scatter the remaining nuts and banana slices across the top.
    Steel cut oatmeal mixture poured into an 8x8 baking dish, topped with extra banana slices and pecans.
  • Bake in the oven for 50-60 minutes or until oatmeal is golden brown and the center is cooked through. Remove from the oven, let cool and enjoy.
    Baked Steel Cut Oatmeal in an 8x8 baking dish.
  • Place any leftovers in a sealed container in the fridge. Reheat later and enjoy.


Serving: 1/6 of recipe Calories: 282kcal Carbohydrates: 38g Protein: 5g Fat: 13g Saturated Fat: 4g Polyunsaturated Fat: 1g Monounsaturated Fat: 1g Sodium: 161mg Potassium: 237mg Fiber: 4g Sugar: 13g
Course: Breakast
Cuisine: American
Keyword: baked steel cut oatmeal


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Recipe Rating

    1. Amanda
      August 10, 2022 AT 10:12 pm

      5 stars
      Delicious! I used 1 egg instead of Chia Seed, 1/2 cup of unsweetened Applesauce and 1 1/2 cups almond milk. (I didn’t have enough almond milk hence the applesauce to replace that amount of liquid.) It took a little over 60 minutes to set and turned out absolutely amazing. Thank you for the recipe. I love the different textures together and the crispy edges.

      1. Brittany Mullins
        August 11, 2022 AT 1:48 pm

        So glad you loved this recipe, Amanda. Thanks for making it and for the review. I so appreciate it!

    2. Pam
      February 12, 2022 AT 3:25 pm

      5 stars
      I made this with Walnuts, Coconut Milk, organic pumpkin at 1/3c., the one egg and still added a heaping Tblsp ground flax seed. I sprinkled just a little bit of coconut over the top. I baked in small oblong shaped glass dish (10×7) for the recommended time. It was deliciously perfect with just a teaspoon of warm maple syrup drizzled on top of each serving piece. Will make again and might try applesauce in place of pumpkin. Thanks!!!!!

      1. Brittany Mullins
        February 14, 2022 AT 8:54 am

        So glad you loved this recipe, Pam! Thanks for the review and for letting me know what changes you made. I bet swapping applesauce will be delicious!

    3. Harini
      January 27, 2022 AT 11:16 am

      5 stars
      I love how simple and versatile this recipe is! This has been my go-to breakfast for my family almost every week! It’s perfect for working moms like me. Early in the morning, I toss in all the ingredients and let it bake while I attend my meetings and by the time, my daughter is ready for school, I have a warm and cozy breakfast ready for her! Thank you!

      1. Brittany Mullins
        January 28, 2022 AT 5:56 am

        I’m so happy this recipe has been a hit!! Thanks so much for making it and for the review, Harini. I so appreciate it!

    4. Toni
      January 24, 2022 AT 1:11 pm

      5 stars
      Turned out great. Put fresh blueberries in it instead of the second banana on top. Baked for 50 minutes. I’ll make it again.

      1. Brittany Mullins
        January 25, 2022 AT 4:49 pm

        Awesome! So glad you enjoyed this recipe, Toni. Thanks for making it and for coming back to leave a review. 🙂

    5. Barbara in Canada
      January 17, 2022 AT 5:35 pm

      4 stars
      I love all your baked oatmeal recipes. I have tried several of them now. In my quest for ever healthier food, I figured I would give this recipe with steel cut oatmeal a try because they are less processed than rolled oats. Super tasty, I tried it with pears as well. And protein powder. Also super tasty but I just can’t get used to the texture of the steel cut oats. It feels like I’m eating horse feed. I’m sticking with the rolled oats. (I don’t recommend frozen bananas either.)

      1. Brittany Mullins
        January 17, 2022 AT 6:41 pm

        Sorry to hear you didn’t love the texture of steel cut oats, Barbara. Thanks for giving this recipe a try, I appreciate it!

4 bowls of oatmeal topped with a variety of fruit, nuts, nut butter, chocolate chips and toppings.



Eating oatmeal doesn’t have to be boring!



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