Consider the 5 rows. Take one color, say white, and for each row, note the white cells and write down every pair of their column indexes. For example, if in the first row, cells 2, 4, and 5 are white, you'd write down (2, 4), (2, 5), and (4, 5). If any pair is listed twice among all rows, that's a 2-by-2 white square. There are $\binom{5}{2}=10$ possible pairs.
Now also do the same for black squares. We have 10 white pairs and 10 black pairs to work with, for a total of 20. The number of pairs that each row contributes depends on the black/white split, but it's smallest if it's 3 vs 2, which gives 4 pairs. That's 20 minimum across 5 rows. Well, darn, that's just within our allowance.
But we can save this argument! For each row to give the minimal 4 pairs, it must be 3 vs 2, and so contribute 3 pairs to one color and 1 pair to another. Both 3 and 1 are odd, so across the 5 rows, the total number of pairs for either color is odd, so we can't get 10-and-10 split that's needed for 20 pairs. One of the colors must have at least 11 pairs, and so have a repeat which forms a 2-by-2 square.