The leaves on my Musa Basjoo are browning in spots. Several of the leaves are broken on the stem near the part where they shoot off from the trunk, others are broken in the center of the leaf on the stem. I want to know... whats going on? Is it dying? Or maybe going dormant? It seems to early for it to go dormant. I know this is much more of a cold hardy banana tree, and I am in Northern/Central California. This month we average 84F degrees by day and about 58F by night. Next month it will be in the 70's by day (avg) and low 50's by night.

Here are some reasons I think it might be doing this, but I am not an expert and I was hoping if you looked at the pics you could help me:
1- Going dormant (I doubt this.)
2- I sprayed it with insecticidal soap the day I brought it home. It is organic and safe to use on this type of tree. It was as a preventative measure to mealy bugs. I've inspected all my plants and they are definitely pest free.
3- Overcrowded roots? There is one momma tree and 5 pups (all about 3 - 4 feet tall or maybe taller) in this one pot that is at the most 18" in diameter. I have new leaves sprouting but as you can see in the pics, they have brown spots on them before they entirely unfurl.) There are also 2 possible new pups on the way. I know this is a good sign of development but my guess is this pot is a full house. One "pup's" trunk is like the same size as the mother.

So I was thinking that maybe to remedy this problem I could pot up to a much larger pot. Would transplanting at this time be unsafe as I will have to soon protect it from dying in the winter? Or is it unwise not to move it up to a new pot for this size pot might cause it to strangle itself?

Also, is it too late in the year to divide? A woman at the nursery said I need to wait for the plant to go dormant before potting up or dividing so as not to shock the plant. However, I only showed her images on my camera and as I didnt see any musa basjoo at her nursery I assumed perhaps I should seek second opinions.

What should I do for success? It doesnt appear to have declined too much since I brought it home, but I do think it needs something. And I water it when the soil is dry down to 1.5" of soil, which is like every day. I pour enough water on it so the soil is saturated through and it is a very well draining mix. Its neither over nor underwatered in my opinion and I have not had any troubles with plants dying on me for that reason for a long time now. PLEASE ADVISE so I can perk this charming tree up! Or if not, prepare it for colder months.

Tophersmith- you say try to divide the plant into (2 pups in one pot and the rest with the mom in the other?) I can always keep one inside this winter for insurance, but in zone 9a, I really don't think overwintering with such a hardy banana should be too much of a daunting task :)