Combine dry ingredients in the small bowl and set aside.
Mash the banana in the large bowl, then mix in remaining oil, milk, water, vinegar, and syrup.
Stir in the dry ingredients until just mixed, then fold in optional additions.*
Heat the pan over medium heat until very hot, then lightly oil.
Pour 1/3 cup of batter to make a pancake and immediately spread it, gently, with the bottom of the ladle.
Cook about 3 minutes, until the top looks dry, then flip and cook another minute.
Transfer to plate and cover with foil or place in low oven to keep warm as you cook the rest of the pancakes.