Blend the cottage cheese, eggs, mashed banana, milk, and vanilla until smooth.
Whisk the oat flour, vanilla protein powder, baking powder, cinnamon, and salt in a mixing bowl. Stir in the cottage cheese mixture and rest the batter for 5 minutes.
Separate the two bananas into thick coins. Melt the butter in a skillet over medium heat, then arrange the banana coins in a single layer.
Sprinkle the brown sugar, cinnamon, and salt over the bananas. Add the water and cook for 2 to 3 minutes, gently turning the bananas once, until glossy and caramelized.
Heat a nonstick skillet over medium-low heat and add a thin portion of the avocado oil. Spoon 1/4 cup batter into the skillet for each pancake.
Cook for 2 to 3 minutes, until the undersides are golden and the tops begin to bubble. Turn and cook for 1 to 2 minutes, using the remaining oil for later batches.
Serve the cottage cheese pancakes warm with the banana caramel and its sauce spooned over each stack.