I know that in Paint Shop, when you use the text tool, it has an area where you can select the color or pattern of the font itself, then there's what's called the "stroke", which is the outline. I don't know about PhotoShop, since I never use it...
In Paint Shop:
When using text tool, a pop-up will appear to write the text in, beside it are two options:
Stroke: the outline of the font
Fill: the color of the font itself
Like I said, I don't know what it's called in PhotoShop...
If I could get the banner itself without the text, I could do it for you