I'm gonna guess PCGS gave it the 65 FSB only because it lacks any toning or look of originality. But it SHOULD be a 66 FSB.
The marks in the field on the reverse near the ER in AMERICA would be the only thing I see keeping it from a 68. Of course, two photos can be deceiving.
Super clean, very lustrous, split bands. MS67 FB If this coin had attractive toning, maybe it could get MS68 FB.