Preheat your oven to 350°F (175°C). Get a standard 9.5-inch loaf pan ready by lining it with parchment paper, leaving some overhang on the sides for easy lifting, and lightly greasing it with cooking spray.
In a large mixing bowl (or your stand mixer), combine the softened cream cheese, butter, and keto sweetener. Beat them together until the mixture is beautifully smooth and creamy.
Next, add in the eggs, almond flour, coconut flour, baking powder, banana extract, unsweetened milk, and cinnamon. Mix everything until it's just combined and forms a thick batter. Be careful not to overmix!
Gently fold in the chopped pecans (or your chosen mix-ins) until they are evenly distributed throughout the batter.
Spoon the thick batter into your prepared loaf pan, spreading it out evenly with a spatula.
Bake for 55 to 65 minutes, or until the top is a deep golden brown and the center feels firm when you gently press it. A toothpick inserted into the middle should come out clean.
Let your delicious banana bread cool completely on a wire rack before carefully lifting it out of the pan. This makes it much easier to slice and enjoy without crumbling!