The sexual act of performing anal sex, and pulling out after you cum to find your dick is covered in a thick layer of shit.
Boyfriend: Oh no babe! You gave me the chocolate-coated banana! (Runs to the bathroom)
When having sex, the guy pulls out and jizzes all over a girl's face, then proceeds to take a dump on her face. The white jizz resembles the banana and the shit resembles the chocolate.
Andy was having sex with Pauline when she screamed out "I need a chocolate coated banana!"
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A variation of the original "banana bender", but with a chocolaty twist of Brookdale chocolate ice cream topping drizzled on top, hence the name chocolate coated banana bender. Unlike the original you do not need a massage chair for aid of insertion as you have the topping, acting as a lubricant.
Person 1: What did you do last night Tom?
Tom: I gave myself a sweet chocolate coated banana bender last night on the toilet.
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