In a medium saucepan, combine oats, almond coconutmilk, water, and chia seeds. Bring to a low boil, then simmer over medium-low heat, stirring often until the liquid is absorbed and the oats thicken, about 15 minutes.

Remove from heat and stir in the vanilla extract and salt. If the mixture is too thick, thin with more milk.

Meanwhile, heat a skillet to medium-high. Add coconut oil if using. Sprinkle banana slices with coconut sugar. Once hot, add bananas in a single layer and cook for 1 minute per side until caramelized.

Divide oatmeal among two bowls. Top with warm caramelized bananas, dark chocolate, a drizzle of honey, and chopped almonds.

Enjoy immediately for the best creamy, warm, and caramelized experience!