Preheat the oven to 375ºF and position the oven rack in the upper third of the oven — not all the way at the top, but higher than the center. Baking the muffins in the upper area helps them rise better and brown evenly on top. Line a standard 12-cup muffin tin with paper liners and spray the liners with non-stick spray.
In a large mixing bowl, whisk together the oat flour, baking powder, baking soda, salt, and cinnamon (if using). Set aside.
In a separate bowl, whisk the mashed banana, eggs, maple syrup, olive oil, and vanilla extract until smooth.
Pour the wet ingredients into the dry ingredients and stir gently with a spoon or spatula just until combined. Let the batter rest for 4–5 minutes, then give it one more quick stir.
Divide the batter evenly between 11–12 muffin cups, filling each liner about ¾ full (almost to the top) for tall muffins. If using the crunchy sugar topping, sprinkle a small pinch of turbinado or course white sugar over each muffin right before baking.
Bake for 15–17 minutes, or until the tops are set and a toothpick inserted into the center comes out clean or with a few moist crumbs.
Let the muffins cool in the pan for 5 minutes, then transfer to a wire rack to cool completely. For the best texture and taste, let them cool at least 30 minutes before enjoying.
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