Add milk, oats, maple syrup, cocoa powder, vanilla, cinnamon, and salt to a medium/large heavy-bottomed pot.
Bring to a boil then cook for 10-12 minutes, stirring frequently (to prevent burning at the bottom of the pot) until oats are soft and almost all the milk has been absorbed. At this point, your oatmeal will be a little bit too runny, but this is ok - it will thicken considerably while cooling. Take the pot off the heat.
Mash bananas with a fork. Add bananas and coconut oil to the oatmeal and stir until combined. After a minute or so, your oatmeal should have a perfect creamy, thick, but still pourable consistency.
Pour your oatmeal into bowls and top with your favorite toppings (my favorite for this oatmeal are a couple of banana slices, a spoonful of chocolate hazelnut spread, strawberries, sweet cherries, and a couple of chopped walnuts or pecans).
Enjoy!