Toast the bread slice in a toaster or oven until golden brown and firm.
Spread the creamy peanut butter evenly across the surface of the warm toast.
Spoon the cottage cheese over the peanut butter layer, spreading it to the edges.
Arrange the banana slices in a single layer on top of the cottage cheese.
Dust the top of the toast with ground cinnamon.
Drizzle with honey or maple syrup and serve immediately while the toast is still warm.