Heat oven to 375°F. Line a 12-cup muffin tin and lightly mist the liners.
Whisk flour, baking powder, baking soda, salt, cinnamon, and espresso powder in a large bowl.
Stir together mashed bananas, granulated sugar, brown sugar, yogurt, oil, and vanilla until smooth.
Add the wet mixture to the dry ingredients. Fold gently just until no dry streaks remain.
Fold in most of the chocolate chips, keeping a small handful for topping.
Scoop batter evenly into the cups. Sprinkle with reserved chips and turbinado sugar, if using.
Bake 16–19 minutes, until the tops spring back and a tester comes out clean or with melted chocolate.
Cool 5 minutes in the pan, then transfer muffins to a rack to finish cooling.