01 - Preheat oven to 350°F (175°C). Line a 12-cup muffin tin with paper liners or lightly grease each cup.
02 - In a large mixing bowl, whisk together mashed bananas, ricotta cheese, eggs, vegetable oil, milk, vanilla extract, orange zest, lemon zest, fresh orange juice, and fresh lemon juice until homogenous.
03 - In a separate bowl, whisk together all-purpose flour, granulated sugar, baking powder, baking soda, and salt.
04 - Gently fold the dry mixture into the wet mixture, mixing until just incorporated. Avoid overmixing; a few lumps are acceptable.
05 - Evenly distribute the batter among the muffin cups, filling each approximately three-quarters full.
06 - Sprinkle turbinado sugar over the tops of the muffins, if desired.
07 - Bake for 22 to 25 minutes, or until a toothpick inserted into the center emerges clean.
08 - Let the muffins rest in the tin for 5 minutes, then transfer to a wire rack to cool completely.