You are meant to syn mashed/puréed/cooked fruit. It's mostly because it changes the structure of the fruit itself and it changes the way you digest it. They say it's all about filling power, and changing how you eat the fruit doesn't necessarily fill you as much as it would if you ate it as it should be.
I would say that having the pancakes once in a while, I might not syn them. But if you have them everyday, count some Syns for them.
I have known people to cut out bananas and they've lost more, they're a really stodgy fruit, and having too many can change how much someone loses.
I'm not by any means saying don't have them, but if you know you've been completely on plan with everything else, and you notice your losses change for the worse, cut the banana pancakes out?
Does that make sense or just confuse you even more??