Preheat oven to 350°F (175°C). Grease or line a 9x5-inch loaf pan with parchment paper.
In a large mixing bowl, thaw and mash 3-4 frozen over-ripened bananas to yield 1 1/2 cups. You may add water or nondairy milk if bananas are not enough.
Stir in 2 whole eggs.
Add 1/2 cup brown sugar.
Stir in 1/4 cup oil.
Add 1 tsp vanilla extract. Mix until smooth.
If using, fold in nuts or chocolate chips. Set aside.
In a separate bowl, whisk all the dry ingredients. 1 1/2 cup flour,1 tsp baking powder,1 tsp cinnamon, and1/4 tsp salt. Combine wet and dry ingredients until fully incorporated.
Pour into a lightly floured or waxed 9x5-inch loaf pan.
Bake for 40-45 minutes or until a toothpick comes out clean when poked in the middle.
Allow to cool in the pan for 10 minutes before transferring to a wire rack.