The coin above, safe in my bank box, graded MS67FB, a high designation bringing a $50 premium due to strike, retailing at $130. (The lovely patina will bring hundreds more.) To earn the coveted full bands label, the coin must be a business strike, uncirculated with full separation minus any disruption (bagmark, cuts, scratch, etc.) on the upper and lower horizontal bands of the torch.
This equally lovely 1960-D Roosevelt did not earn the FB designation, coming in also at MS67. Do you see why it failed?
My 1960-D dime value is $55. A portion of the lower band shows a tiny break in the bands on the right. Otherwise it would be worth $375. Compare it now to the full bands designation of the 1958-D so that you can discern the subtle differences.
You want to seek full bands on all Roosevelt dimes. However, these may bring the highest premiums, according to PCGS: 1949-S, 1955-S, 1958, 1965, and 1994-D. To compare, an MS67 1949-D without full bands is worth $110 while with full bands is valued at $850.
The same premiums hold true for the full bands designation on Mercury dimes. You can read about that here.
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