A tree that grows bananas,(duh)...also where you could find a horde of monkeys. Which we also call the african americans monkeys,and where could we find a bunch? Compton...or "The Ghetto". So basically Banana Tree is a play on words for the most common place to find a large community of black people. Use it wisely.
White cracka ass bitch: Yo waddup cuh i be bangin wit dem crips know what m sayin?!
Normal person: Dude you've been hanging around in the banana tree too long.