In a medium bowl, whisk together the all-purpose flour, sugar, baking powder, and baking soda until evenly combined.
In a separate bowl, whisk the eggs, vanilla yogurt, and water until smooth.
Pour the wet ingredients into the dry ingredients and stir gently until just combined; do not overmix.
Heat a lightly greased griddle or nonstick skillet over medium heat and spray or brush with cooking oil if desired.
Spoon or pour batter onto the hot griddle to form pancakes of your preferred size; sprinkle with chocolate chips, cranberries, banana slices, or pecans if using.
Cook until bubbles form on the surface and edges look set, then flip and cook until the other side is golden brown, about 1–3 minutes per side depending on size and heat.
Transfer cooked pancakes to a plate and repeat with remaining batter; serve warm.