The OP photos are a year old. I took these a couple minutes ago. They better represent the coin. I will reveal the grade tomorrow!
I sent this one in myself. I decided it wasn’t worth the regrade attempt. It will stay in my collection as an educational tool.
Send her off to CAC for the fun of it. Very nice coin. Don’t ever sell it. You could end up being one of those guys who see’s it later in a 67+/68 slab.
So we have a toned 1938-S Mercury with at least an early stage of corrosion and questionable split bands grading (MS 68+ FS CAC selling for north of $300,000 and this blazing uncorroded Mercury gets MS 65 FB. No justice.
Take a look at photograde. The 66 and 67 examples show, in my opinion, more luster. I find this coin to be dull. No shine. I personally wouldn’t got above 66 on this. https://www.pcgs.com/photograde#/Mercury/Grades