Preheat your oven to 350°F (180°C) and line a baking sheet with parchment paper.
In a large bowl, whisk together the whole wheat flour, baking powder, and salt.
Cut the cold butter into cubes, then cut it into the flour mixture using a pastry blender or your fingertips until the mixture resembles coarse crumbs.
Mash the banana with a fork, then mix it with the peanut butter, honey, milk, and egg.
Pour the wet ingredients into the dry ingredients and mix until just combined. Do not overmix.
On a lightly floured surface, pat the dough into a circle about ¾ inch (2 cm) thick. Cut into triangles or rounds.
Place the scones on the prepared baking sheet and bake for 15-18 minutes, or until golden brown.
Let cool for a few minutes before serving. Serve fresh with a dollop of extra peanut butter or honey.
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