Open Faced Banana Cinnamon Toasts

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2 tablespoons honey

1 tablespoon orange juice

1/4 teaspoon freshly grated orange zest

1 teaspoon vanilla extract

1 cup cream cheese, room temperature

8 slices cinnamon raisin bread

2 large bananas

3 tablespoons chopped peanuts or other nuts, optional

1/2 teaspoon ground chocolate, optional