Preheat the oven to 400°F. Line a large sheet pan with parchment for easy cleanup.
Warm the olive oil in a nonstick skillet over medium heat. Whisk the eggs with a pinch of the salt and the pepper, then pour into the skillet.
Gently scramble the eggs, stirring just until soft curds form and the eggs are barely set, 2 to 3 minutes. Remove from heat.
Spread the tortilla chips on the sheet pan. Top evenly with black beans, scrambled eggs, crumbled bacon, and shredded cheddar.
Bake until the cheese is fully melted and the chips are toasty, 5 to 7 minutes.
Finish with cherry tomatoes, red onion, jalapeño, avocado, and cilantro. Drizzle with salsa and dollop sour cream. Season with remaining salt to taste and serve immediately.
Notes
For a lighter option, swap sour cream with Greek yogurt and use baked tortilla chips. Add hot sauce for extra kick.