In a medium size pan, heat the oats, milk, water, and salt over medium heat. Once the mixture begins to simmer, approximately 5-6 minutes, stir in the sliced banana.
Continue to stir, almost whipping, until the banana breaks down and the mixture thickens and becomes creamy, about another 3-4 minutes. I really like adding the banana because it adds so much volume to the oats.
Add the vanilla, wheat germ, cinnamon, ginger, and stevia, and stir until incorporated. Pour into a serving bowl and top with the crumbled gingersnap cookies.
