Get them pinto beans soaking overnight. About an hour prior to starting the dish, drain/rinse. Clean 'em up and get them back in a pot on low heat for about an hour.
In our Dutch oven over medium-high heat, cook the chopped bacon until cooked. Remove the bacon and place onto a plate w/ paper towel. If you want to save a bit of the bacon grease for sauté, I don't fault you. I did.
Get a good sauté on the chopped onion/jalapeno until the onions are translucent. Throw the minced garlic in and cook until that kitchen smells like a garlic farm.
When Onion/Pepper/Garlic is cooked and fragrant, throw the bacon/ham into the pot, and the drained beans and liquid (broth/water) and boil it up. Drop the heat to low, pop the lid on the Dutch oven and let her go for about 45 minutes.
When that 45 min timer hits, pop the top and add your seasonings (chili powder, cumin, black pepper, oregano) - dump in your tomatoes and chopped cilantro. We're going to let this cook for another 30 min over medium heat.
Because I rushed my clock, I didn't get a thick consistency, but I used a slotted spoon to get most of what I wanted, scooped some of the liquid in and topped with some thin-sliced jalapeño, because I can't help myself.