Gather and measure all ingredients: banana, peanut butter, milk, yogurt (if using), sweetener, and any optional add-ins.
Peel the banana and slice into chunks to help the blender process evenly.
If using a frozen banana, work from frozen; otherwise add a few ice cubes for chill and thickness.
Place the banana pieces into the blender first so the blades engage the fruit easily.
Add 2 tablespoons of peanut butter, choosing natural or regular based on texture preference.
Pour in 1 cup of milk; adjust amount later to reach desired thickness.
Spoon in 1/2 cup Greek yogurt for extra creaminess and protein if desired.
Add sweetener (honey or maple syrup), vanilla extract, cinnamon or chia/oats if using, then secure the lid.
Blend on high until completely smooth, pausing to scrape down the sides and blending again as needed.
Taste and adjust: add more milk to thin, more peanut butter for richness, or extra sweetener if needed.
Pour into a glass, optionally drizzle additional peanut butter or sprinkle chopped peanuts, and serve immediately.