Drop 2 teaspoons nut butter at a time on a parchment-lined baking sheet. Spread into disks with a spoon; freeze 1 hour.
Preheat greased griddle or pan to 375°F (medium-high).
Mix pancake mix and water. Let sit 2 minutes.
Pour about 2 tablespoons pancake batter on hot griddle for each pancake. Place nut butter disk on top of pancake mix and top with additional 2 tablespoons of mix, making sure nut butter is covered.
Cook pancakes 2 minutes per side, or until golden brown, turning only once.
Drizzle with toppings: honey, chocolate shavings, banana slices.