Well, having never tried it, I'd guess it's just Banana + Milk.
But ya never know what the "other little things" are in them.
TFA Banana Cream is just Banana + Cream.
TFA Ripe Banana 2% (probably the strongest/ripest I've used)
TFA Dairy Milk 2% (or FW Milk)
But much depends on if it's a strong Banana flavor/amount.
Just easier to adjust the "stronger" flavor down, instead of the weaker one/s up.
And it could be 2/3 different brands of Banana flavors are being used.
So many different brands and flavors to choose from just to find the "right" one.
Could also have some TFA?CAP Sweet Cream, and/or FA Condensed Milk added.
Or many other possibilities.
Clones are quite hard to make perfect.