The black background color is not black, its transparent.
So drag the title to the highest track, don't drag it on a video clip.
So if you have a videoclip on track 1, then drag the title on track 2.
You will see the text on top of your video. If you want to have a solid background, choose "color boards" from the drop down menu in media room.
Can you put a banner to your video? Of course, make a picture of your banner, and save it as PNG with a transparent background (you have to choose a transparent color). You can drag the PNG just like the title to a track.
Hatti
Win 10 64, i7-4790k, 32GB Ram, 256 GB SSD, SATA 2TB, SATA 4TB, NVidia GTX1080 8GB, LG 34" 4K Wide, AOC 24" 1080