Yeh, i was late and Kalam told you...
In this case, the appropriate files are the std_banners_X.dds
The std_banners_f isn't used in multiplayer though, so don't bother going there. When you open the files (i recommended NVidea dds plugin for Photoshop) you'll have the banners and a wooden part on their right, this wood is for SP. As for the banners, notice that their top is a looped part of the rest of the banner. If you go on the Character creator, on the choose banner you've got a rolled up part of the banner on the top, yes? That's the extra part. So if you want to keep you banners centered you have to place it's center lower than the mid of the "slots". That's why i ask a 137x330 sized banner. If you want i can send you one of my psd files just so you can have a look.