Yes, as jvdubb mentioned in her post above ... members don't see them until after they've been posted to the site. We submit photos for possible banners and they are approved or disapproved (due to size etc.) by admin. Once approved we get a system message and I believe they go into a holding pattern with all others waiting to be posted. Once posted to the site they remain at the top of every page for a period of time (24 hours maybe?) before a new one appears. The Site Banner Forum is where we can view all past banner photos.
I wonder if perhaps someone commented on another photo that you've uploaded to a thread on site? Or, perhaps you submitted a banner photo and received a system message with a comment regarding it? If you click on the little i symbol (in the circle at the top of every page) you can read your past system messages.