Preheat your oven to 350°F. Line an 8x8-inch square baking pan with parchment paper, ensuring there is enough overhang on the sides to act as a sling for structural removal later.
Peel the 3 large overripe bananas into your heavy-bottomed glass mixing bowl. Using a fork, apply firm downward pressure to mash the fruit until it breaks down into a wet, chunky puree. Stop when no lumps larger than a pea remain.
Add the 1/2 cup of creamy natural peanut butter and the 1/3 cup of cocoa powder directly on top of the banana puree. Use your silicone spatula to firmly fold and press the dry cocoa into the wet ingredients. Continue mixing until the lipids bind with the water, creating a thick, dark, and glossy batter with high resistance.
Pour the 1/2 cup of chocolate chips into the bowl. Gently fold the batter, scraping the bottom and pulling it over the top, until the chips are evenly distributed throughout the matrix.
Scrape the heavy batter into your parchment-lined pan. Because there is no gluten, the batter will not level itself. Manually press the batter flat into all four corners using the back of your spatula to create a perfectly level surface. Top with some chocolate chips (optional)
Bake at 350°F for exactly 18 to 22 minutes. Remove the pan from the oven when the edges have pulled away from the parchment paper by about one millimeter and the surface has a matte finish. A toothpick inserted into the center must come out with moist, thick crumbs attached, not perfectly clean.
Do not cut while hot. Allow the brownie block to cool completely to room temperature in the pan (minimum 2 hours). Once cooled, use the parchment overhang to lift the block onto a cutting board. Press straight down with a sharp chef's knife to yield 12 perfect squares.