Prepare all of the ingredients as directed above. Brew coffee to your preference and set aside.
In a large bowl, mash the bananas until smooth. Whisk in eggs, milk, and vanilla extract until well combined.
In a separate bowl add oat flour, cacao powder, baking powder, cinnamon, and salt. Whisk together to break up any lumps, then add to the wet ingredients. Fold until just combined (do not overmix). Let the batter rest for 3 minutes.
While the batter rests, prepare the side: portion the berries, and top with cottage cheese, chia seeds, and a drizzle of honey. Set aside.
Heat a nonstick or cast iron skillet over medium-low heat. Add oil and swirl to coat. The pan is ready when a drop of water skips across the surface. Medium-low is important here as oat flour pancakes brown faster than all-purpose.
Scoop about ¼ cup of batter per pancake and gently spread into rounds. Cook until bubbles form at the edges and the surface looks mostly set.
Flip and cook the second side until fully set in the center. Transfer to a warm plate and repeat with remaining batter.
Stack pancakes and top with sliced banana, cacao nibs, Greek yogurt, and a drizzle of honey or maple syrup if desired.
Portion cottage cheese, top with berries, honey and chia seeds.
Serve pancakes with cottage cheese bowl and coffee.