Exhibit 10.1

FIFTH AMENDMENT TO THE

SALARY CONTINUATION AGREEMENT

FOR

LAURA CLARK

THIS AMENDMENT (the “Amendment”) is adopted as of the 1^st day of October, 2026, by and between Opportunity Bank of Montana, located in Helena Montana (the “Employer”), and Laura Clark (the “Executive”).

The Employer and the Executive executed a Salary Continuation Agreement effective as of November 1, 2014 (as amended, the “Agreement”). The Company and the Executive now wish to increase the benefits provided to the Executive in the Agreement.

NOW, THEREFORE, the Employer and the Executive adopt the following amendments to the Agreement:

Section 2.1 of the Agreement shall be deleted in its entirety and replaced by the following:

2.1         Normal Retirement Benefit. If Separation from Service occurs on or after May 1, 2027, the Employer shall pay the Executive an annual benefit in the amount of Eighty-Six Thousand Five Hundred Dollars ($86,500). If Separation from Service occurs before May 1, 2027, the Employer shall pay the Executive an annual benefit based on the Accrued Benefit on the date of Separation from Service. The annual benefit will be paid in equal monthly installments commencing the month following Separation from Service and continuing until the Executive’s death.

Section 2.5 of the Agreement shall be deleted in its entirety and replaced by the following:

2.5         Death Prior to Commencement of Benefit Payments. In the event the Executive dies prior to Separation from Service, the Employer shall pay the Beneficiary an annual benefit in the amount of Eighty-Six Thousand Five Hundred Dollars ($86,500) in lieu of any other benefit hereunder. The annual benefit will be paid in equal monthly installments commencing the month following the Executive’s death and continuing for fifteen (15) years.

IN WITNESS WHEREOF, the Executive and a duly authorized representative of the Employer have executed this Amendment as indicated below and as of the date above: