Four guides, one template.
Start from the 2560x1440 canvas. The safe area is centred, so the side margin is 2560 minus 1546, divided by two, which is 507 pixels on each side. Vertically it is 1440 minus 423 over two, about 508 pixels top and bottom. Set guides at those offsets and you get a centred 1546x423 rectangle where every device's crop overlaps.
The YouTube Banner Size page saves you the measuring. Press Download template (PNG) for a 2560x1440 guide with the desktop, tablet and safe areas shaded, place it as the bottom layer in Photoshop, Figma or Canva, and hide it before you export. When the banner is done, drop it into the upload box and the page checks the size, ratio and file size, then shows what TV, desktop, tablet and mobile will display. If it fails a check, Resize to 2560 x 1440 under 6 MB crops or fits it to 16:9 and saves a JPG that meets the limit.
Designing in Canva? Create a custom 2560x1440 canvas rather than trusting any template labelled as a YouTube banner, because older templates in circulation can place their guides in the wrong spots.