Pull the meat off a rotisserie chicken and shred it into bite-size pieces with two forks. I keep some larger chunks mixed with smaller shreds so every spoonful has texture. Set the shredded chicken aside in a bowl while you start the base.
Melt the butter in your Dutch oven over medium-high heat until it's fully melted and bubbling slightly. Whisk in the flour right away and keep stirring for about a minute so it doesn't clump or scorch. This step is what thickens your chili later.
Slowly pour in the chicken broth while whisking constantly to keep the mixture smooth. Add the half-and-half next, still whisking, until everything blends into a creamy, lump-free base. This part takes patience, but it's worth it for the texture.
Stir in the shredded chicken, white beans, corn, diced green chiles, cumin, and ranch dressing mix. Give everything a good stir so the seasoning distributes evenly through the pot. At this point your kitchen should already smell amazing.
Bring the chili to a gentle boil, then reduce the heat to medium-low and let it simmer for about 15 minutes. Stir in the cooked bacon and shredded cheddar, letting it melt completely into the broth before turning off the heat.
Ladle the hot chili into bowls and sprinkle a generous handful of crushed crackers right on top. I let mine sit for a minute so the crackers soften just slightly on the edges while staying crunchy in the center.