Preheat Oven: Set oven to 375°F (190°C).
Cook Bacon: In a large oven-safe skillet, cook chopped bacon over medium heat until crisp. Remove bacon with a slotted spoon and set aside, leaving the rendered fat in the pan.
Sauté Onions: Add diced onions to the bacon fat and cook for 3–4 minutes until softened and translucent.
Build the Sauce: Stir in ketchup, water, molasses, mustard, brown sugar, smoked paprika, garlic powder, onion powder, and cayenne pepper. Simmer for 3–5 minutes until slightly thickened.
Add Beans & Bacon: Stir in the pinto beans and cooked bacon. Reduce heat to low and simmer for 10 minutes to allow flavors to meld. If the sauce is too thick, add a splash of water. Lightly mash some of the beans to further thicken the sauce if desired.
Season Pork Chops: Pat pork chops dry and season both sides with salt and black pepper.
Sear Chops: In a separate skillet, heat vegetable oil over medium-high heat. Sear pork chops for 2–3 minutes per side until golden brown.
Combine & Bake: Nestle the seared pork chops into the bean mixture, spooning some of the sauce over the meat. Transfer the skillet to the preheated oven.
Bake: Cook for 15–20 minutes, or until the pork reaches an internal temperature of 145°F.
Rest & Serve: Remove from the oven and let rest for 5 minutes before serving.