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In a mixing bowl, combine oatmeal, ricotta cheese, egg, water (or milk), vanilla, and stevia. Stir well until you get a smooth batter.
Fold in the diced apples and mashed banana.
Heat a non-stick skillet over medium heat and lightly grease with vegetable oil.
Pour batter in small portions (about 1/4 cup each) to form pancakes.
Cook for 2–3 minutes on one side until bubbles form on the surface, then flip and cook for another 2 minutes until golden and cooked through.
Repeat with the remaining batter, adding oil as needed.
Serving and Storage Tips:
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