The night before, peel, slice, and freeze the ripe banana.
In a blender, combine the sliced bananas, cocoa powder, and milk.
Blend until smooth and well combined. If the smoothie is too thick, add more milk to reach the desired consistency. Set aside.
Toast the bagel halves until golden and crispy.
Spread garlic chive cream cheese on each toasted bagel half.
Pour the chocolate banana smoothie into a glass.
Top each smoothie with sliced strawberries.
Serve the bagel with smoothie. Enjoy!