Preheat grill to medium heat.
Place a tortilla onto a flat surface. Spread about a 1/4 of the marshmallow spread onto the tortilla. Layer with a 1/4 of the sliced bananas then sprinkle a quarter of the chocolate chips and graham cracker pieces on the lower third of the tortilla.
Fold the tortilla up like a taco then wrap with a layer of foil. Repeat process with remaining ingredients. Place on the grill or in a preheated 375 degree F oven for 6 minutes turning after 3 minutes.For Sauce:
Combine all ingredients in a small bowl. Mix well to combine and serve with smorittos.