Line a cupcake mold with paper liners.In a bowl, mix the yogurt with the honey or maple, and vanilla. Add the banana slices and gently toss to coat. Add the peanut butter (if using). Scoop a small spoonful (3-ish banana slices) and place in the paper liners. Freeze 1-2 hours. Melt the chocolate and coconut oil together in a bowl in the microwave. Dip each frozen cluster in the chocolate and place on a parchment-lined baking sheet. Sprinkle with sea salt (if desired). Freeze until completely frozen, 2 hours. Remove from the freezer, let sit 2-3 minutes. Eat and ENJOY!