Preheat the oven to 350 F. Grease a 9×5 loaf pan or line it with parchment paper.
Combine dry ingredients in a bowl.
Whisk liquid ingredients in a separate bowl.
Pour wet into dry, and stir to form a batter.
Smooth the batter into the prepared pan. If desired, press some chocolate chips into the top.
Bake on the center rack for 40 minutes. Do not open the oven door but turn off the heat and let sit in the closed oven for 10 additional minutes.
If your bread is still undercooked, cover the top with foil, turn the oven back on, and continue baking, checking every 5 minutes, until a toothpick inserted into the center comes out clean.
Let cool completely, cover, and refrigerate overnight. Taste and texture are much better the second day.
Leftovers can be sliced and frozen for up to a month.