Set oven to 375°F (190°C). Line a baking sheet with foil or parchment.

Slice the loaf in a crosshatch pattern—make cuts about ¾ deep, leaving a ½-inch base. This creates chewable pockets while keeping the loaf intact.

Mix cream cheese, sour cream, mozzarella, cheddar, minced garlic, salt, and pepper in a bowl until smooth.

Press cheese mixture into the crevices. Sprinkle crumbled bacon and sliced jalapeños throughout all cuts to ensure even flavor distribution.

Place bread bowl on prepared sheet. Bake for 20–25 minutes until cheese is melted and the edges are golden brown and crisp.

Remove from oven, garnish with parsley or chives if desired. Serve warm—guests can pull apart pieces directly from the loaf.