hmm, looks nice, but a few things stated by staff members already, if you can change the merry christmass into Happy Holidays, add a few sparks which I find around that left tree really nice, put them all over the banner (not in high density but a few here and a few there) and add some snowflakes, I think this banner just might qualify into the pull or random holidays banners :)
those light sparks are actually really nice, so Kudos for them :)
as for the picture and the background, if you can mold them together, just change the color of BG to match the picture, add the things I mentioned, or anything else that is typical for winter, it might get really nice :)
good luck with it, and I hope you have fun doing this :)