Preheat oven to 400 °F (200 °C). Line a baking sheet with parchment paper.

In a mixing bowl, whisk together flour, baking powder, and salt.

Stir in yogurt until a dough begins to form; it will feel sticky at first.

Fold in diced jalapeños and cheddar cheese evenly.

Turn dough onto a lightly floured surface and knead briefly (about 1–2 minutes), adding flour a tablespoon at a time if too sticky.

Divide the dough into 4 small bagels or 2 larger ones. Roll each into a 6″ strand and pinch ends together to form a ring with a hole in the center.

Place bagels on the baking sheet. Brush with the whisked egg, then top with jalapeño slices and extra cheddar.

Bake for approximately 18–22 minutes, until tops are golden brown.

Let cool for about 5–10 minutes before slicing and toasting—cute and crisp this way!