I am not in a clan, and I see no problem with banner balance.
If I am not actively playing with the few friends I have on here, then I usually switch to a generic/rare banner and just go where the wind takes me. I enjoy seeing clans fight alongside me or against me, so I care little.
I just play this to relax and have fun while venting/skyping with friends, nothing more. If an organized clan shows up and mops house, all the more power to them for killing me and my team with great tactics.