In a large saucepan, heat the oil over medium high heat. Add the onion, celery, bell pepper and garlic. Sauté for 5 to 6 minutes, or until the veggies have softened.
Add the chili powder and cumin; stir and cook for an additional minute.
Add the beans to the saucepan and mash with a potato masher or large fork (mash some and leave the rest whole). Stir in the broth and tomato. Increase heat to high and bring the soup to a boil.
Remove from heat and serve. Top each serving with ¼ cup rice and 1 tablespoon cilantro.
Notes
If you are preparing this recipe as GLUTEN-FREE, just be sure to use brands of black beans and broth that are known to be GF.