In this study, a complex fracture process in a short rectangular concrete (RC) beam reinforced by one longitudinal bar (without vertical reinforcement) and subjected to quasi-static three-point bending was numerically explored in 2D conditions. A critical diagonal shear crack in the beam caused it to fail during the experiment. The numerical simulations were conducted with a classical particle discrete element method (DEM). A three-phase concrete description (aggregate, mortar, and interfacial transitional zones (ITZs) around aggregates) accounted for the concrete heterogeneity. In mesoscopic DEM calculations based on a 2D X-ray CT scan, the actual shape and placement of aggregate particles in concrete were taken for granted. In the study, the steel bar with ribs was replicated. ITZ was also assumed between the bar and mortar. Without imposing any bond-slip law, a geometrical bar/concrete interface condition was explicitly considered. The focus was on the force–deflection diagram, fracture process, contact forces, and stresses along the bar. A good level of agreement about the evolution of the vertical force versus the deflection and failure mechanism was attained between DEM analyses and in-house laboratory tests despite simplified 2D conditions. A strong effect of concrete mesostructure on the crack pattern was found.