Preheat Oven: Begin by preheating your oven to 375°F (190°C). Grease and line a loaf pan with parchment paper to prevent sticking.
Mix Dry Ingredients: In a medium-sized bowl, whisk together 2 cups of all-purpose flour, 1 tbsp of baking powder, 1/2 tsp of salt, and if desired, 1/4 tsp of garlic powder. Once well-combined, stir in 1 cup of shredded sharp cheddar cheese and the chopped 1 tbsp of fresh parsley or chives.
Combine Wet Ingredients: In another bowl, whisk together 1 large egg, 1 cup of whole milk, and 1/4 cup of melted unsalted butter until smooth and fully blended.
Prepare Batter: Gradually add the wet mixture to the dry ingredients, gently folding together until just combined. Be careful not to overmix, as this can lead to a denser bread.
Assemble and Bake: Pour the batter into the prepared loaf pan, smoothing the top with a spatula. Sprinkle the remaining 1/2 cup of shredded cheese on top. Bake in the preheated oven for 40–45 minutes, or until a toothpick inserted in the center comes out clean.
Cool and Serve: Once baked, remove the loaf from the oven and let it cool in the pan for 10 minutes. Afterward, transfer it to a wire rack to cool completely. Slice and enjoy your bread warm or at room temperature!