Spray a medium skillet with cooking spray and heat over medium. Crack eggs into hot skillet and cook until whites are no longer clear, 3-4 minutes. Flip. Cook for 1-2 minutes longer, leaving yolk a bit runny for dipping if desired. Set aside.
Slice peppers and onions. Wipe skillet down with a paper towel and spray with cooking spray once more. Heat over medium and then add peppers and onions. Saute for 3-4 minutes. Add chopped ham slices; cook for 1 minute longer.
Serve each egg with veggies, a piece of buttered toast, and 1/2 a banana.