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Preheat your oven to 375° F. Spray your 9x5" loaf pan or line with parchment paper.
In a large bowl, whisk together the flour, oats, sugar, baking powder and salt.
In a medium bowl, mash the bananas. Stir in the oil, peanut butter, sour cream and beaten egg. Add this mixture to the dry mixture and combine (DO NOT OVER MIX). Stir in the chocolate chips.
Transfer the batter to your prepared loaf pan and evenly spread out with a rubber spatula. Optional: sprinkle top with extra chocolate chips. Bake for 30 minutes then throw a piece of aluminum foil on the top of the loaf to loosely cover it. Continue baking for another 15-20 minutes or until a toothpick comes out mostly clean. Allow to cool at least 30 minutes in the pan prior to removal. Then allow it to cool for another 30 minutes prior to slicing.