It would be 'you are *a* banana,' but that sounds really weird. I've never heard anyone use that as an insult for being silly. Sometimes we use 'banana' to describe Asians (Chinese, Japanese, Korean) that have lived in the US their whole lives and so act & think like white people (the inside of the banana), but look like Asians (the yellow outside of the banana). Some people consider this an insult but others just use it as a descriptive term for people with these characteristics.
I'm not sure what faty means. I think it should be fatty. I would guess it relates to someone's weight. 'You're a fatty' could maybe be a young kid who was fat and slow and somewhat stupid.