Preheat your oven to 350°F (175°C) and line a baking sheet with parchment paper.
In a large mixing bowl, combine the rolled oats, whole wheat flour, baking powder, baking soda, salt, and ground cinnamon. Stir until well mixed.
In another bowl, mix together the mashed banana, honey (or maple syrup), applesauce, almond butter, and vanilla extract until smooth.
Pour the wet ingredients into the dry ingredients and stir until just combined. If using, fold in the dark chocolate chips or dried fruit.
Using a tablespoon, scoop out the dough and place it on the prepared baking sheet, spacing them about 2 inches apart. Flatten each cookie slightly with the back of the spoon.
Bake for 12-15 minutes, or until the edges are golden brown. Allow the cookies to cool on the baking sheet for 5 minutes before transferring them to a wire rack to cool completely.