Chop onion, pepper, and garlic and place in a large pot on medium heat.
Sauté for 4-5 minutes until the veggies become fragrant and translucent.
Set aside 1/2 cup chicken broth, and then add rice and broth to the pot. Bring to a boil, and then cover and simmer for about 40 minutes.
Rinse the beans, and blend one can in a blender with the 1/2 cup of chicken broth till smooth.
Chop bacon into pieces.
After rice is almost cooked, add in both cans of beans, cilantro, tomatoes, juice from the lime, sour cream, and 3/4 of the chopped bacon.
Stir together and allow the soup to simmer for about 5-10 minutes or until everything is heated.
Serve with more yogurt, remaining bacon, and avocado if desired.