In a large bowl, whisk together the all-purpose flour, granulated sugar, baking powder, baking soda, and salt.
Using a fork or potato masher, mash the banana until smooth but still slightly chunky for texture.
In a separate bowl, whisk the buttermilk, vegetable oil (or melted butter), eggs, vanilla extract, coconut extract (if using), and the mashed banana until smooth and well incorporated.
Pour the wet ingredients into the bowl with the dry ingredients. Stir gently just until combined; it’s okay if the batter is a little lumpy.
Lightly grease your skillet with a bit of oil or butter and heat over medium heat. Test readiness by sprinkling water drops; they should sizzle and evaporate quickly.
Pour about 1/4 cup of batter for each pancake onto the skillet. Optionally sprinkle sliced banana on top before flipping. Cook until bubbles form and edges look set, about 2-3 minutes. Flip and cook another 1-2 minutes until golden brown.
Stack pancakes, drizzle with maple syrup, and add optional marshmallow whipped cream or chopped nuts or toasted coconut for garnish. Serve warm.