In a medium mixing bowl, add 145 g all-purpose flour, 50 g graham crumbs, 1 teaspoon baking powder, ¼ teaspoon baking soda, and ½ teaspoon fine sea salt and whisk until combined.
Add 165 g granulated sugar, 150 g mashed ripe banana, 65 g sourdough discard, 45 g whole milk, 30 g unsalted butter, 15 g neutral oil, 40 g sour cream, 2 large eggs, and 1½ teaspoons vanilla extract to a separate bowl. Use a stick blender to blend until smooth.
Pour the dry ingredients over the wet ingredients and mix until just combined. Add 100 g milk chocolate chips or chunks and fold in until evenly distributed.
You may want to rest the batter…