Preheat your oven to 325°F (163°C). Grease a 9×5-inch loaf pan with nonstick spray or oil, then line it with a strip of parchment paper that overhangs the long sides to create a sling for easy removal.
In a medium bowl, mash the very ripe bananas with a fork until mostly smooth with small lumps remaining. Measure to ensure you have about 1 1/4–1 1/2 cups mashed banana; set aside.
3 medium very ripe bananas
In a large mixing bowl, whisk together the all-purpose flour, baking soda, baking powder, fine sea salt, and ground cinnamon until well combined and evenly distributed.
1 1/2 cups all-purpose flour, 1 teaspoon baking soda, 1/2 teaspoon baking powder, 1/2 teaspoon fine sea salt, 1 teaspoon ground cinnamon
If you do not have buttermilk, stir together 1/2 cup milk with 1 1/2 teaspoons lemon juice or white vinegar in a small bowl. Let sit for 5 minutes to thicken and lightly curdle, then use in place of the buttermilk.
1/2 cup milk, 1 1/2 teaspoons lemon juice or white vinegar
In another bowl, whisk the neutral oil, granulated sugar, egg, and vanilla extract until slightly thickened and creamy, about 30 seconds. Whisk in the buttermilk (or homemade substitute) until fully combined.
1/3 cup neutral oil, 3/4 cup granulated sugar, 1 large egg, 2 teaspoons pure vanilla extract, 1/2 cup buttermilk
Fold the mashed bananas into the wet mixture until evenly combined. The batter will be thick and speckled with banana.
3 medium very ripe bananas
Pour the wet banana mixture into the bowl with the dry ingredients. Using a spatula, gently fold together just until no dry flour remains. Do not overmix; a few small lumps are fine.
Gently fold in 1/2–3/4 cup chopped walnuts, reserving a small handful for topping the loaf.
1/2-3/4 cup walnuts
Scrape the batter into the prepared loaf pan and smooth the top with a spatula. Scatter the reserved walnuts over the surface and, if desired, sprinkle 2–3 tablespoons turbinado sugar evenly on top for a crunchy, bakery-style crust.
1/2-3/4 cup walnuts, 2-3 tablespoons turbinado sugar
Bake at 325°F (163°C) for 55–70 minutes, or until the top is deep golden-brown and domed and a toothpick inserted into the center comes out mostly clean with just a few moist crumbs. If the top browns too quickly, tent the loaf loosely with foil during the last 10–15 minutes.
Let the banana bread cool in the pan for 15 minutes. Use the parchment sling to lift it out onto a wire rack and cool completely, at least 1 hour, before slicing for the best texture and clean slices.
Store the fully cooled loaf tightly wrapped or in an airtight container at room temperature for 2–3 days, in the refrigerator for up to 5 days, or freeze sliced for up to 3 months. Reheat slices briefly in the microwave to restore softness.