Mash part of the banana: In a jar or bowl, mash half the banana until smooth. This helps thicken and sweeten the oats naturally.

Stir in peanut butter: Add the peanut butter to the mashed banana and mix until combined. If it’s very thick, add a splash of milk to loosen it.

Add dry ingredients: Stir in the oats, chia seeds (if using), a pinch of salt, and cinnamon. Mix well so the chia seeds don’t clump.

Pour in the milk and flavorings: Add milk, vanilla, and sweetener if you like. Start with 1/2 cup milk; add more if you prefer a looser texture.

Combine thoroughly: Stir until everything is evenly mixed. Scrape the sides to make sure no dry oats remain.

Cover and chill: Seal the jar or cover the bowl and refrigerate at least 4 hours, ideally overnight.

Finish and serve: In the morning, give it a good stir. Adjust with a splash of milk if it’s too thick. Top with the remaining banana slices, extra peanut butter, and any add-ons you love.