1-First, preheat the oven to 350ºF and grease a 9” x 13” baking dish. This ensures your cake doesn’t stick and bakes evenly, a trick that’s helped many readers avoid baking mishaps.

2-Next, in a large bowl, crumble the cold butter cubes, flour, sugars, and cinnamon together until the mixture resembles coarse crumbs; set aside. This step is crucial for that signature crunchy topping, and using cold butter makes all the difference.

3-In another bowl, whisk together the flour, baking powder, cinnamon, and salt. Then, using a stand mixer, cream the softened butter for 2 minutes, add sugar and mix for an additional minute.

4-Add eggs, vanilla extract, and mashed bananas, mixing until just combined without overmixing. Gradually add the milk and flour mixture alternately on low speed until just combined to keep the batter light and fluffy.

5-Pour half of the batter into the baking dish, sprinkle one-third to one-quarter of the crumb mixture over it, then pour the remaining batter and top evenly with the remaining crumb mixture. This layering creates that wonderful contrast of textures that everyone loves.

6-Bake for 50 to 55 minutes, or until a toothpick inserted into the center comes out clean. For the glaze, whisk powdered sugar and milk together until you reach the desired consistency and drizzle over the cooled cake 5 to 10 minutes after removing from the oven.