When I get home I'll take a picture of the back of the quarter so you can see that it's copper eating even the edges are copper
My opinion Charles is that it is just toned. I don't see anything that says a clad layer is missing. What is the weight?
Your quarter is just toning to the Cupronickel clad layer. A true Missing Clad layer usually occurs just on one side. Whatever side the Planchet that's missing the clad layer will determine how it will be struck.. Here's an example from my collection
Seems to be a rolled thin planchet. The surfaces definitely aren't coppery enough. Missing one layer of cladding removes approximately 15% of the weight. This is not an average but from known examples. Yours is close but too light. Missing two layers would be 30% of the weight. And that doesn't work either. Odds are yours is from a rolled thin planchet. Struck on dime stock is also not correct. The 70D'S rolled on dime stock weigh 4.24g roughly. Show the third side (edge) maybe we can help figure out what the reason is.
@Charles Judd Thus is an example from my collection as to what the bands are and must look like without magnifying the coin. There are 3 sets of two bands, top, middle and bottom of the torch. To be Full Bands all of the bands need to look like this. The last photo is a closeup of the bottom bands.