President Obama, in his Feb. 24 speech to Congress about the federal stimulus package and the road to economic recovery, noted that banks needed federal support so that they could issue credit, fund building projects and get the economy rolling again. The speech, four days after the demise of Silverton’s community bank, held a little irony for local investors. It was “a heavy dependence on commercial construction loans, many of which were not performing or being repaid” that felled Silver Falls Bank, according to David Tatman, administrator of the Oregon regulator’s Division of Finance & Corporate Securities.