Preheat oven to 425°F (220°C) and line a 12-count muffin tin with paper liners.
Whisk together flour, baking powder, baking soda, salt, cinnamon, and nutmeg in a bowl.
Mash bananas in a separate bowl until smooth; measure to confirm 1¼ cups.
Whisk brown sugar into mashed bananas until smooth.
Add melted butter, egg, sour cream, and vanilla; whisk until combined.
Fold dry ingredients into wet mixture with a spatula until just combined, leaving a few flour streaks.
Gently fold in chocolate chips until no flour streaks remain; batter should be lumpy.
Cover bowl with a towel and let rest at room temperature for 15–30 minutes.
Divide batter evenly among muffin liners, filling nearly to the top; top with extra chips if desired.
Bake at 425°F for 5 minutes without opening the oven door.
Reduce oven to 350°F and bake 12–15 minutes more until a toothpick comes out with moist crumbs.
Cool muffins in the pan for 5 minutes, then transfer to a wire rack to cool completely or serve warm.