Bring water to a boil in a smallish saucepan.
Add banana, oats, cinnamon, ginger and nutmeg. Stir to combine.
Lower heat to medium high and cook for about 5 minutes til most of the water is gone and the oatmeal is just starting to stick to the bottom of the pan.
Add ground flax and coconut oil to your serving bowl, then ladle on the oatmeal.
Mix everything together well before topping with toasted pecans. Drizzle with maple syrup if desired.