Preheat oven to 400ºF. Prepare a muffin tin with liners.
Mix together flour, oats, baking powder, cinnamon and salt in a large bowl.
In a medium bowl, mash bananas. Then mix in the yogurt, milk, eggs and vanilla extract.
Create a small well in the dry ingredients and pour the liquid ingredients in.
Stir until just combined, but do not over-mix.
Fold in the chocolate chips.
Pour into muffin tin and bake for 20-22 minutes until golden brown and a toothpick inserted comes out clean.
Notes
Substitute 1 ½ cup dairy-free milk instead of milk and yogurt for a dairy-free version. Be sure to use dairy-free chocolate chips as well.Skip chocolate chips or put them in only half the batter for a no-sugar added version of the muffin.