Preheat oven to 350°F (175°C) and line a muffin tray with paper liners.
Blend oats in a high-speed blender for about 60 seconds until a flour forms.
Add cinnamon, baking powder, and salt to the blender and mix until combined.
In a large bowl, mash bananas until smooth.
Mix in eggs, avocado oil, and vanilla extract.
Add dry ingredients to the wet mixture and stir until fully combined.
Fold in chocolate chips if using.
Pour batter evenly into muffin cups and optionally sprinkle extra chips on top.
Bake for 18–22 minutes until cooked through (internal temp: 190°F).
Cool slightly before serving your delicious Banana Oat Muffins.