Preheat the oven to 350°F/180°C and line a loaf pan with parchment paper or grease with cooking spray. Set aside.
In a large bowl, add the melted ½ cup coconut oil or butter and 3 ripe bananas. Mash the bananas with a fork or potato masher until you reach your desired texture. I like a few chunks, but make yours as smooth as you like.
Add 3/4 cup sugar, 1 tsp vanilla extract, and 2 tbsp dairy-free milk to the banana mixture and mix well until fully combined.
Add 1 cup almond flour, 1 cup gf flour, 1 tsp baking powder, and 1 tsp baking soda. Fold the dry ingredients into the wet until just combined.
If using, fold in ½ cup chocolate chips and ½ cup walnuts gently.
Pour the batter into the prepared loaf pan and smooth out the top. Bake for 35 to 40 minutes, or until a toothpick inserted into the center comes out clean. If the top starts to brown too quickly before the bread is done, loosely tent it with a piece of foil.
Once done, let the loaf cool in the pan for 10 minutes before transferring to a wire rack to cool completely. Slice and enjoy!