Instructions:

1. In a small saucepan, combine the rolled oats, cocoa powder, mashed banana, and water or milk. Stir well to combine.
2. Bring the mixture to a gentle boil over medium heat, then reduce the heat and let it simmer for 3-5 minutes, stirring occasionally, until the oats are cooked and the mixture has thickened to your desired consistency.
3. Once cooked, remove the oatmeal from the heat and let it cool slightly before serving.
4. Serve your oatmeal warm, topped with sliced bananas, chopped nuts, or a drizzle of nut butter for added flavor and texture.

With its hearty texture, rich chocolate flavor, and natural sweetness from bananas, this oatmeal recipe is sure to satisfy your cravings without any added sugar or flour. Enjoy it for breakfast, as a snack, or even as a wholesome dessert – the possibilities are endless!