In a large mixing bowl, whisk together the all-purpose flour, brown sugar, baking powder, salt, and cinnamon.
In another bowl, mix together the milk, egg, vegetable oil, vanilla extract, and mashed ripe bananas.
Pour the wet ingredients into the bowl with the dry ingredients. Gently stir until just combined.
Gently fold the mini chocolate chips into the batter.
Place your non-stick skillet or griddle over medium heat and lightly grease it.
Pour about 1/4 cup of batter onto the skillet for each pancake. Cook until bubbles form, about 2-3 minutes, then flip and cook until golden brown.
Transfer pancakes to a plate and keep warm while cooking the remaining batter. Serve warm with toppings.