Remove the pan and blade from your bread machine and spray lightly with nonstick spray or brush with a bit of butter to prevent sticking.

In a bowl, mash the bananas until mostly smooth with a few small chunks left for texture.

Add the eggs, melted butter, milk, and vanilla to the mashed bananas and whisk until combined and glossy.

In a separate bowl, whisk together flour, sugar, baking powder, baking soda, salt, and cinnamon so the leaveners are evenly distributed.

Pour the wet mixture into the bread machine pan, then gently add the dry ingredients on top. Sprinkle your optional walnuts or chocolate chips evenly over the dry flour.

Select the 'Quick Bread' or 'Cake' cycle on your bread machine if available; if not, use a standard 'Bake' program suitable for quick breads, and choose a light to medium crust setting.

Close the lid and start the cycle. After about 10 minutes, peek only if necessary to ensure the mixture isn’t too dry.

When the cycle finishes, insert a skewer or toothpick into the center—if it comes out clean or with a few moist crumbs, the loaf is done.

Remove the pan carefully, let the bread cool in the pan for 10 minutes, then invert onto a rack to cool completely.