Preheat your oven to 360°F (180°C). Line a muffin pan with paper liners or lightly grease with cooking spray.
Mash the bananas in a large bowl. Add eggs, milk, syrup of choice, and vanilla extract. Whisk until well combined.
In a blender or food processor, blend 2 cups (180g) of the oats into flour. Leave the remaining 1 cup whole. (This step creates a better texture, but you can skip it or use store-bought oat flour). Read more about it in the recipe notes.
Add the blended and whole oats to the wet mixture, along with salt and baking powder. Stir until fully incorporated.
Divide the batter evenly between the muffin cups (you should get 12 muffins). Top each muffin with a few chocolate chips, if using.
Bake for 25 minutes, or until the muffins are lightly golden and a toothpick inserted into the center comes out clean.
Let the muffins cool in the pan for 10 minutes, then transfer to a wire rack to cool completely.
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Notes
Bananas: The riper, the better! Spotty bananas bring natural sweetness and moisture.
Oats: You can use rolled oats, quick oats, oat flour, or any combination. I prefer blending ⅔ of the oats into flour to create a fluffy texture while keeping 1/3 as whole oats, which adds a nice bite.
Storage: Store in an airtight container at room temperature for 2 days or in the fridge for up to 5 days. These muffins freeze well! Wrap individually and store in a freezer bag for up to 2 months. Thaw at room temperature or warm in the microwave.
Mix-Ins & Toppings: Try adding chopped nuts, dried fruits, or a swirl of peanut butter or tahini.
Want to keep it low sugar? Skip the chocolate chips or use a few chopped dark chocolate pieces. And reduce the syrup amount.