Preheat oven to 350°F (180°C). Line an 8x5-inch (20x12cm) loaf pan with parchment paper, leaving an overhang for easy removal. Lightly grease the sides with oil or butter.
Mash the bananas in a large mixing bowl until smooth. Add the eggs and whisk until well combined. Stir in the honey (or other sweetener), oil, milk, vanilla, almond extract (if using), and lemon juice. Mix until fully incorporated.
Combine dry ingredients in a separate bowl: oat flour, almond flour, baking powder, baking soda, cinnamon, and salt.
Mix wet and dry: Gently fold the dry mixture into the wet mixture until just combined. Do not overmix; this keeps the bread tender.
Bake: Pour batter into the prepared pan and smooth the top. Bake for 45–55 minutes, or until a toothpick inserted into the center comes out clean. If the top browns too quickly (around the 30-minute mark), loosely cover with foil for the remainder of baking.
Cool: Let the bread cool in the pan for 10 minutes, then lift it out using the parchment overhang. Transfer to a wire rack to cool completely before slicing.