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 all ingredients are evenly incorporated.
02 - Cover the container and refrigerate for at least 8 hours or overnight. This allows the oats to soften completely and the flavors to meld together.
03 - Before serving, stir the mixture well. If the oats have absorbed too much liquid, add additional coconut milk 1 tablespoon at a time until reaching your desired consistency.
04 - Divide the overnight oats evenly between two bowls or jars. Top each serving with toasted coconut flakes, toasted pecans or almonds, and fresh banana slices if desired. Serve chilled.