That looks like a generic 3D Studio Max graphic brush. I've seen it in heaps of places, and I think that if you're going to use brushes, like Knoc says, blend them into something that's your own as well, so that it doesn't look so premade. The text seems to be in a strange position in that it's not quite balanced in where it is, and the background cut is on an opacity that really doesn't suit the graphic.
I actually have better things to do in my life than just sit on my ass all day infront of the computer making shit ass banners. I just come on here to give my opinion when i come on now and then and get some other git to make a fancy banner for my while i RANT on u.i dont give a fuck what ya say coz im giving my opinion.
The last one's not bad, although it could do with a border. The only thing with the main cut on the left is that you could have played around with Edge Preserving Smooth or Brightness/Contrast to get it to look less grainy.