Preheat oven to 375 degrees.
Place the sliced bread on a large, rimmed sheet pan. Bake for 7 minutes or until lightly toasted.
Heat the olive oil in a medium pan over medium heat until it shimmers.
Add the onion and jalapeno to the pan, and season with salt and pepper.
Sauté for 5 minutes, or until just softened.
Add the beans and tomatoes to the pan. Season with cumin, paprika, oregano, chili powder, and smoked paprika. Stir well.
Cook until the beans are hot stirring frequently, about 5 minutes.
Remove from heat, and mash until approximately half of the beans are broken down.
Divide bean mixture between toasts, top with cotija and cilantro. Serve immediately.