Prep the banana: Slice half of the banana and set the rest aside for garnish or another use. Using half keeps carbs modest while still delivering flavor.
Load the blender: Add Greek yogurt, protein powder, cream cheese (or cottage cheese), sliced banana, 1/4 cup almond milk, banana extract, vanilla extract, sweetener, and a pinch of salt.
Blend until silky: Start on low, then increase to high for 20–30 seconds. Scrape down the sides if needed.
If it’s too thick to blend, add almond milk 1 tablespoon at a time.
Taste and adjust: Add more sweetener for sweetness, more banana extract for flavor, or a splash more milk for a looser texture. For extra thickness, blend in a few ice cubes or a teaspoon of chia seeds.
Chill: Spoon into 2–3 small jars or bowls. Cover and chill for 30–60 minutes to set and deepen the flavor.
Serve: Top with a small swirl of sugar-free whipped topping, a few thin banana slices if you have room for the carbs, and a crumble of low carb vanilla cookies for crunch.