In a mixing bowl, combine the whole wheat flour and oats, ensuring they are well mixed.

In another bowl, mash the ripe banana until smooth, then add the unsweetened applesauce, egg, and water. Mix until fully combined.

Gradually add the wet ingredients to the dry ingredients, stirring until a batter forms. If the batter is too thick, add a little more water until you achieve a pancake batter consistency.

Heat a non-stick skillet over medium heat and add the coconut oil or olive oil, spreading it evenly across the skillet.

Pour about 1/4 cup of batter onto the skillet for each pancake, cooking for about 3-4 minutes or until bubbles form on the surface.

Carefully flip the pancakes with a spatula and cook for an additional 2-3 minutes on the other side until golden brown.

Remove from the skillet and let the pancakes cool on a wire rack before serving them to your dog.