Preheat the oven to 350 degrees.
Line a muffin tin with liners or grease and set aside.
Combine the flour, baking soda, baking powder, salt, and spices (cinnamon, nutmeg, cloves, and ginger) Whisk.
Combine the mashed bananas, pumpkin puree, sugar, oil, eggs, and vanilla in the bowl of a stand mixer or a large mixing bowl. Beat well until well blended.
Slowly stir in the dry ingredients mixture until just combined. Don’t overmix.
Divide the batter evenly between the prepared muffin wrappers - filling each about ¾ full.
Combine the cinnamon/sugar topping ingredients in a small bowl and then divide that mixture evenly on the tops of the muffin batter.
Bake for 20-25 minutes or until the toothpick test returns clean but with a few moist crumbs.
Cool the muffins in the tin for 5-10 minutes before transferring to a wire rack to cool at room temperature.