Preheat oven to 350F.
Combine dry ingredients: flour, salt, baking powder and sugar.
Add milk and stir just until combined, it doesn’t need to be smooth.
Add peanut butter and stir until fully combined, don’t over mix but make sure peanut butter is fully incorporated. Then stir in chocolate chips if using.
Pour into a greased loaf pan. Sprinkle with some extra chocolate chips (if using). Bake for 45-55 minutes, until a wooden skewer inserted comes out clean. Enjoy!