Add the ripe bananas to a large mixing bowl and mash until mostly smooth with only a few small lumps remaining.

Stir in the peanut butter and vanilla extract until the mixture looks creamy and evenly combined.

Add the quick oats, baking powder, and salt, then mix until a thick batter forms.

Fold in most of the chocolate chips, reserving a small handful for the top.

Transfer the mixture into the prepared loaf pan and spread it evenly with a spatula.

Sprinkle the remaining chocolate chips over the surface and gently press them into the batter.

Bake until the bars are lightly golden around the edges and the center feels set when touched.

Remove from the oven and allow the bars to cool completely in the pan.

Lift out using the parchment paper and slice into bars before serving.