Preheat oven to 350°F (175°C). Line a baking sheet with parchment paper.
In a large mixing bowl, mash the bananas with a fork or potato masher until mostly smooth with a few tiny lumps remaining. Over-mashing makes them gummy, so stop while there's still a little texture.
Add the peanut butter, maple syrup, egg, and vanilla to the mashed bananas. Stir until the mixture is thick, glossy, and no streaks of peanut butter remain. It should look like a thick, pourable pancake batter.
In a separate small bowl, whisk together the rolled oats, oat flour, cinnamon, baking soda, and salt until evenly combined.
Pour the dry ingredients into the wet and fold with a spatula until no dry streaks remain. The batter will be thick — scoopable, not runny.
Fold in the chocolate chips (or your chosen mix-ins) until just distributed. Do not overmix.
Using a cookie scoop (about 1.5 tablespoons), scoop dough onto the prepared baking sheet, leaving about 2 inches between each. Press each scoop down slightly with the back of a spoon or your fingers to flatten to about 1/2-inch thickness.
Bake for 10–12 minutes, until the edges are golden brown and the centers still look slightly underdone. The bottoms should be golden when lifted with a spatula.
Let the cookies cool on the baking sheet for 5 minutes — they are fragile when hot and firm up as they rest. Then transfer to a wire rack to cool completely. Store in an airtight container at room temperature for up to 5 days, or freeze.