Here’s what goes into this savory, cheesy loaf and why each ingredient matters:

• 1 cup cottage cheese – The protein-rich, creamy base of the bread, blended smooth to keep the batter moist and tender.
• 2 large eggs – Provide structure, richness, and help bind the batter together.
• 1½ cups self-rising flour – Provides structure along with built-in leavening, helping the loaf rise properly.
• 1 cup shredded sharp cheddar cheese – The main source of bold, savory cheese flavor throughout the loaf.
• ¼ cup grated Parmesan cheese – Adds a salty, nutty depth that complements the cheddar.
• 1 tsp baking powder – Provides extra lift on top of the self-rising flour’s built-in leavening.
• ½ tsp garlic powder – Adds savory depth that echoes classic bagel seasoning flavors.
• ½ tsp onion powder – Reinforces the savory, bagel-inspired flavor profile.
• ½ tsp salt – Enhances all the other flavors in the batter.
• ¼ tsp black pepper – Adds a subtle warmth and balance.
• 1 tbsp everything bagel seasoning, for topping – The finishing touch that gives this bread its signature bagel-shop flavor and crunch.