Preheat the oven to 350°F / 180°C.
Line a medium loaf pan with parchment paper or lightly grease it.
Blend the rolled oats until they resemble oat flour.
Mash the bananas well in a large bowl.
Add the soy milk, vanilla, and stevia and mix until combined.
In another bowl, combine the blended oats, vital wheat gluten, ground chia, baking powder, cinnamon, and salt.
Pour the wet ingredients into the dry ingredients.
Mix until everything is incorporated, but do not continue aggressively mixing the batter once it comes together, to prevent over-development of gluten structures.
Fold most of the chocolate chips through the batter, saving some for the top.
Transfer the batter to your prepared loaf pan and smooth the surface.
Sprinkle the remaining chocolate chips over the top.
Bake at 350°F / 180°C for approximately 45 to 55 minutes. The exact baking time will depend on your loaf pan and oven.
A toothpick inserted into the middle should come out mostly clean or with a few moist crumbs rather than wet batter.
If the top is getting too dark before the middle is finished, loosely cover it with foil for the final part of baking.
Let the banana bread cool in the pan for approximately 15 minutes before transferring it to a cooling rack.
For the best texture, let it cool completely before slicing.