Preheat your oven to 350 degrees F (175 degrees C) and grease a standard loaf pan.

In a large bowl, whisk together the pumpkin puree, mashed ripe bananas, melted butter or oil, eggs, and sugar until smooth.

Add the all-purpose flour, pumpkin pie spice, and baking soda to the wet mixture. Stir gently by hand just until combined.

Fold in the optional chocolate chips if desired for a sweeter finish.

Pour the batter evenly into the prepared loaf pan.

Bake for 50 to 55 minutes, or until a toothpick inserted into the center comes out clean.

Allow the bread to cool in the pan for 10 minutes before transferring it to a wire rack to cool completely.