In the bowl of a food processor, combine the drained and rinsed navy beans, sour cream, orange juice concentrate, chipotle purée, fresh lime juice, orange zest, and salt.
Secure the lid and process on high until the mixture is completely smooth and creamy, scraping down the sides of the bowl as needed to ensure everything is incorporated.
Transfer the smooth purée to a serving bowl. Gently fold in the finely diced white onion and chopped cilantro with a rubber spatula until just combined.
Serve immediately or cover and refrigerate for up to 24 hours.
Stir well before serving.