The soil looks fine to me. I mix compost with lava rock ,bark , pine needles and some clay.
I checked for superficial roots around the perimeter and found some. more on the pup side. I broke a few but I think is no problem. Last year i think there were more roots around the sides of the pot than i can see now.
Last winter the banana was outside - too tall to put it in the house - and we had a few freezing nights. I was not home and could not protect it from freezing.
Today i added some epson salt and fish emulsion.