Caramelized Banana Split Oats

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This bowl features creamy oats soaked overnight in cashew milk, enriched with chia seeds, cinnamon, and a hint of plant-based protein powder. The highlight is banana halves gently caramelized in coconut oil until golden, adding natural sweetness and depth. Topped with fresh blueberries, almond butter, vegan yogurt, and crunchy granola, this breakfast offers layers of texture and flavor. Preparation is simple: mix, chill overnight, caramelize bananas quickly before serving — perfect for a healthy, comforting morning.

Luna chef wearing a white shirt.
Crafted By Luna
Updated on Tue, 10 Feb 2026 21:10:26 GMT
A bowl of oats with bananas and caramel. Save
A bowl of oats with bananas and caramel. | myhomemademeal.com

This creamy overnight oats recipe topped with caramelized bananas offers a comforting and wholesome way to start your day. The natural sweetness from the bananas pairs perfectly with the mild spices and crunchy toppings, making each spoonful satisfying and nutritious.

I first made this when I wanted to upgrade my usual oats, and now it’s my favorite morning treat that feels indulgent but still good for me.

Ingredients

  • Cashew milk: which gives a creamy base with subtle nutty flavor, choose unsweetened for less sugar
  • Gluten-free rolled oats: for a hearty texture and fiber, look for organic for best quality
  • Chopped or shredded zucchini: adds moisture and extra nutrients without overpowering
  • Plant-based protein powder: to keep you full longer, select one with minimal additives
  • Chia seeds: that boost omega-3s and help thicken the oats
  • Ground cinnamon: brings warmth and depth to the flavor, fresh ground preferred for intensity
  • Pinch of sea salt: balances the sweetness and enhances flavors naturally
  • Ripe banana: halved lengthwise for caramelizing, pick bananas that are yellow with a few brown spots for maximum sweetness
  • Coconut oil: for caramelizing bananas, choose unrefined for a mild coconut aroma
  • Fresh blueberries: for a burst of freshness and antioxidants
  • Almond butter: adds creaminess and healthy fats, raw or roasted depending on your preference
  • Vegan yogurt: offers creaminess and probiotics, choose unsweetened varieties to control sugar
  • Granola: for crunch and additional texture, homemade or store-bought without excess sugar is best

Step-by-Step Instructions

Spoon overnight oats preparation:
Combine cashew milk, rolled oats, shredded zucchini, plant-based protein powder, chia seeds, ground cinnamon, and sea salt in a jar. Stir thoroughly to mix all ingredients evenly. Seal the jar tightly and place it in the refrigerator overnight to allow the oats and chia seeds to absorb the liquid and flavors fully.
Caramelize the banana:
Heat coconut oil in a small skillet over medium heat until shimmering. Carefully place the banana halves cut side down into the pan. Cook undisturbed for several minutes, about 4 to 5, until the bananas develop a golden brown caramelized crust. Flip the banana halves gently and cook for an additional 1 to 2 minutes to caramelize the other side. Remove from heat immediately to prevent burning.
Assemble the bowl:
Retrieve the chilled oats from the refrigerator and give them a gentle stir if needed. Lay the caramelized banana halves over the oats. Add a handful of fresh blueberries for tart contrast, a drizzle of almond butter for richness, a dollop of vegan yogurt to add creaminess, and finish with a sprinkle of granola to provide a satisfying crunch.
A bowl of oats with bananas and caramel. Save
A bowl of oats with bananas and caramel. | myhomemademeal.com

This is one of my favorite breakfasts because the caramelized banana feels like a little indulgence but without guilt. I remember making this for a weekend brunch when friends came over and everyone was amazed by how something so healthy could taste so delicious.

Storage Tips

Store leftover oats in an airtight container in the fridge for up to three days. It’s best to add the caramelized bananas fresh each morning to keep their texture and flavor. Granola and fresh toppings should be added just before serving to maintain crunchiness.

Ingredient Substitutions

You can swap cashew milk with any non-dairy milk such as almond, oat, or soy depending on preference. If zucchini is unavailable or you prefer to omit, you can add grated apple or a spoonful of pumpkin puree to keep moisture and nutrients. Use your favorite plant-based protein powder or just skip it for a lighter version. Coconut oil can be substituted with vegan butter or avocado oil for caramelizing.

Serving Suggestions

Enjoy this bowl as a wholesome start to a busy day, paired with a hot cup of chai or herbal tea. It also makes a nourishing post-workout meal or a light lunch when you want something fresh yet filling. Adding a sprinkle of toasted nuts or seeds can boost the crunch and add an extra layer of flavor.

Pro Tips

  • Toast the oats lightly before soaking for a nuttier flavor and enhanced aroma
  • Don’t rush caramelizing the bananas—low and slow heat forms the best golden crust without burning
  • Adjust the amount of protein powder to suit your nutritional needs without overwhelming the texture

Recipe FAQs

→ How do caramelized bananas enhance the dish?

Caramelizing bananas in coconut oil creates a natural sweetness and rich flavor that contrasts beautifully with creamy oats.

→ Can I use other types of milk instead of cashew milk?

Absolutely. Almond, oat, or any plant-based milk can be substituted to suit your taste and dietary preferences.

→ What is the purpose of soaking the oats overnight?

Soaking softens the oats, making them creamy and easier to digest while allowing the flavors to meld.

→ Is the zucchini taste noticeable in the final dish?

No, shredded zucchini blends subtly into the oats, adding moisture and nutrients without altering the flavor.

→ How can I adjust the protein content?

Adjust the amount of plant-based protein powder added to the oats according to your nutritional needs.

→ Can this be prepared in advance for busy mornings?

Yes, the base oats can be prepared the night before. Simply caramelize the bananas just before serving for best texture.

Caramelized Banana Split Oats

Wholesome oats topped with golden caramelized bananas and fresh fruit for a nourishing start.

Prep Time
10 minutes
Cooking Duration
5 minutes
Overall Time
15 minutes
Crafted By: Luna

Recipe Type: Breakfast

Preparation Complexity: Beginner-Friendly

Regional Cuisine: Vegan

Servings Output: 1 Serving Size (1 bowl)

Dietary Choices: Vegan Option, Suitable for Vegetarians, Gluten-Free Alternative, Dairy-Free Alternative

Everything You’ll Need

→ Liquid base

01 1 cup cashew milk

→ Dry ingredients

02 1/4 cup gluten-free rolled oats
03 2 tbsp plant-based protein powder
04 1 tsp chia seeds
05 1/2 tsp ground cinnamon
06 Pinch of sea salt

→ Vegetables

07 1/8 cup chopped zucchini

→ Toppings

08 1 banana, halved lengthwise
09 1 tsp coconut oil
10 Fresh blueberries, to garnish
11 Almond butter, to garnish
12 Vegan yogurt, to garnish
13 Granola, to garnish

Steps to Cook

Step 01

Combine cashew milk, rolled oats, chopped zucchini, plant-based protein powder, chia seeds, ground cinnamon, and a pinch of sea salt in a jar. Stir thoroughly, seal, and refrigerate overnight.

Step 02

Heat coconut oil in a small skillet over medium heat. Place banana halves cut side down and cook until golden brown, about 4-5 minutes. Flip and cook an additional 1-2 minutes. Remove from heat.

Step 03

Top the chilled overnight oats with the caramelized banana halves. Garnish with fresh blueberries, almond butter, vegan yogurt, and granola before serving.

Extra Suggestions

  1. For enhanced sweetness, add a drizzle of maple syrup or agave nectar to the oats prior to refrigeration.
  2. Substitute cashew milk with any preferred non-dairy milk alternative.
  3. Adjust plant-based protein powder quantity to meet individual dietary requirements.

Must-Have Equipment

  • Small skillet
  • Mixing jar with lid

Allergy Information

Always check ingredient details for potential allergens. Consult an expert if you're uncertain.
  • Contains nuts (cashew milk, almond butter) and may contain gluten depending on granola

Nutritional Highlights (per portion)

Nutritional information is shared for guidance and isn't meant to replace expert medical advice.
  • Caloric Content: 350
  • Fat Breakdown: 15 grams
  • Carbohydrate Breakdown: 50 grams
  • Protein Count: 12 grams