In a large mixing bowl, whisk the flax meal with the water. Set this aside while you gather the rest of the ingredients (about 5 minutes).
Preheat oven to 350°F (180°C) and line or lightly grease a loaf pan.
In the large bowl with the flax mixture, mash one ripe banana until smooth using a potato masher or fork.
Add the rest of the wet ingredients (pumpkin, oil, brown sugar, milk, and vanilla) and stir until well combined.
Sprinkle all of the dry ingredients (almond flour, flour, oats, baking powder, ground cinnamon, pumpkin spice, and salt) over top. Mix the dry and wet ingredients just until a batter forms.
Transfer the batter to the prepared loaf pan. Smooth the batter until it is evenly distributed in the pan.
Slice the remaining banana in half lengthwise and lay both halves on top of the batter, with the sliced side facing up. Sprinkle the loaf with pecan pieces, oats, and sugar.
Bake the loaf at 350°F (180°C) for 1 hour 20 minutes, or until a toothpick placed in the center comes out clean.
When the loaf has finished baking, remove it from the oven and allow it to cool for at least 30 minutes before gently freeing it from the pan. Divide into 9 one-inch slices for serving.
Store leftover bread in an airtight container in the fridge for 3-4 days. Leftover bread is best enjoyed toasted or air-fried until lightly crisp with some vegan butter.