In a mixing bowl, mash 2-3 overripe bananas until smooth, ensuring no large lumps remain. Stir in 1 cup of all-purpose flour, ½ cup of milk, 2 tablespoons of sugar, 1 teaspoon of baking powder, and a sprinkle of cinnamon and nutmeg. Mix until just combined, and let the batter rest for 5 minutes.

While the batter rests, place a large skillet over medium heat and add about 2 tablespoons of butter or oil. Heat until the fat shimmers.

Using a spoon, drop heaping tablespoons of the banana batter into the hot skillet, leaving space between each fritter. Fry for 2-3 minutes or until the edges turn golden brown. Carefully flip and cook for an additional 2-3 minutes until browned.

Use a slotted spatula to transfer the fritters to a plate lined with paper towels to drain excess oil. Serve warm with whipped cream, maple syrup, or powdered sugar.