Bring the water to a boil in a medium saucepan, stir in the oats, and cook for 3 to 5 minutes. Using a large spoon or a ladle, place the oatmeal into 4 individual bowls.
Thinly slice the bananas and place them on top of the oatmeal. Follow by topping each bowl with one-quarter of the peanut butter, brown sugar, and dark chocolate. Mix with a spoon and enjoy!