Start by placing the large, overly ripe banana in a mixing bowl. Use a fork to mash it until smooth. A few small lumps are perfectly fine!
To the mashed banana, add the coconut sugar, melted coconut oil, and coconut milk. Whisk the mixture until it's well combined and smooth.
In a separate bowl, combine the whole-wheat flour and baking soda. Stir the dry ingredients together to ensure they are evenly mixed.
Pour the wet banana mixture into the bowl with the dry ingredients. Gently fold the mixtures together until just combined. Be careful not to overmix; a few lumps are okay.
Gently fold in the vegan chocolate chips, ensuring they are evenly distributed throughout the batter.
Preheat your griddle or non-stick skillet over medium heat. Lightly grease it with a small amount of coconut oil.
Pour about ¼ cup of batter onto the hot griddle for each pancake. Cook until bubbles form on the surface and the edges look set, about 2-3 minutes. Flip the pancakes and cook for an additional 2-3 minutes until golden brown.
Remove the pancakes from the skillet and serve warm. Top with additional chocolate chips, sliced bananas, or a drizzle of maple syrup if desired.