Add the feta, Greek yogurt, olive oil, garlic, lemon juice, and black pepper to a food processor. Blend until smooth and creamy.
Brush the bread lightly with olive oil and toast until golden and crispy using a skillet, oven, toaster oven, or air fryer.
Spread a generous layer of whipped feta over each slice of toasted bread. Spoon lutenitsa on top without fully mixing the layers.
Finish with chopped herbs, chili flakes, cucumber ribbons, microgreens, or an extra drizzle of olive oil. Serve immediately while the toast is still crispy.