01 - In a medium bowl or jar, combine rolled oats, coconut milk, Greek yogurt, chia seeds, maple syrup, shredded coconut, vanilla extract, and almond extract if using. Stir thoroughly until fully incorporated.
02 - Cover the container and refrigerate for at least 8 hours or overnight. This allows the oats to soften completely and flavors to meld together.
03 - Before serving, stir the oats well. If the mixture appears too thick, add additional coconut milk 1 tablespoon at a time until desired consistency is reached.
04 - Divide the oat mixture evenly between two bowls or jars. Top each serving with toasted coconut flakes, toasted pecans or almonds, and fresh banana slices if desired.
05 - Serve immediately while chilled. Store any leftovers in an airtight container in the refrigerator for up to 3 days.