Combine yogurt and peanut butter, stirring until smooth. Drizzle orange juice over banana slices, tossing gently to coat. Spread peanut butter mixture over tortilla, leaving a 1/2 inch border. Arrange banana slices, in a single layer, over peanut butter mixture. Sprinkle wheat germ and cinnamon over banana slices. Roll up tortilla, cut into 3 pieces.