Place bread slices in a toaster set to medium heat. Toast until golden brown and crisp, about 2–3 minutes, flipping halfway if needed for even browning.

Ensure bread is crisp yet tender inside, creating the perfect base to hold peanut butter without sogginess. Let toast cool for 10 seconds.

Use a butter knife to apply peanut butter evenly over the toast, covering edges fully.

Arrange fresh banana slices on top, drizzle with honey, then sprinkle chia seeds.

Serve immediately while warm.