Mash the overripe banana and measure your oats, milk, and water. I like to have everything ready before the stove is on, so cooking is stress-free.
Add oats, milk, water, mashed banana, and salt into the saucepan. Bring to a gentle boil over medium heat while stirring occasionally to avoid sticking.
Once the mixture starts to thicken, add cinnamon or sweetener if desired. I love to mix in toppings like nuts or mini chocolate chips at this stage for a perfect texture.
Serve immediately while warm, or refrigerate overnight to enjoy cold or reheated the next morning. I often add a dollop of peanut butter on top for extra indulgence.