Preheat the oven to 350°F (175°C). Lightly spray a 12-cup muffin tin with non-stick spray or line with muffin liners.
In a bowl, whisk together the almond flour, coconut flour, oats, baking powder, and kosher salt; set aside.
In a medium bowl, mash the banana, then add the melted coconut oil, 2 tablespoons honey, whole egg, egg white, and vanilla extract; whisk until combined.
Gradually add the dry ingredients to the wet mixture and stir until just combined; small lumps are fine. Fold in the mini chocolate chips gently.
Spoon the batter into the prepared muffin cups, filling each about 3/4 full.
Bake for 15 to 20 minutes, or until a toothpick inserted into the center comes out clean. Remove from oven and let cool in the pan briefly, then transfer to a wire rack.
Meanwhile, make the peanut butter drizzle: in a small saucepan over low heat, combine 1/4 cup creamy peanut butter, 1 tablespoon honey, and 1 tablespoon coconut oil. Stir constantly until melted and smooth; if too thick, add up to 1 tablespoon water to reach a drizzleable consistency.
Drizzle about 1 teaspoon of the peanut butter mixture over each cooled cupcake.
Optional: add 2 tablespoons vanilla protein powder to the dry ingredients before mixing if desired.