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I think I pronounce the first and last a's the same (specifically, as /ə/)... it must be a dialectical difference (mine is General American English).

I think you are right.

For me the first a is reduced to almost nothing, the second is a long vowel and the last is a schwa.

I've think I've heard bina:na:, bina:nɚ, and binænə, in addition to bənænə.

That's a good example. I am amused by "record" being pronounced differently whether it's a verb or a noun.

They're called heteronyms, and there are a lot of them: https://en.wikipedia.org/wiki/Heteronym_(linguistics)

panorama is similar.