In a mixing bowl, combine the rolled oats, chia seeds, and a pinch of salt. Stir well to mix the dry ingredients.
In a separate bowl, whisk together the milk, peanut butter, honey or maple syrup (if using), and vanilla extract until smooth and well blended.
Pour the wet mixture over the dry ingredients and mix until all the oats are well coated.
Fold in the sliced banana gently to preserve their shape.
Divide the mixture into jars or containers with lids and seal them tightly.
Refrigerate the jars overnight (or for at least 4 hours) to allow the oats to absorb the liquid and soften.
In the morning, give the oats a good stir and enjoy cold, or warm them in the microwave for about 30-60 seconds if desired.
Notes
Serve in a clear jar or bowl to showcase the layered oats and banana. Top with extra banana slices, a drizzle of peanut butter, or a sprinkle of cinnamon for added flair before serving.