Congrats on an awesome find and for a well deserved Banner! The Draped Bust/Heraldic Eagle Quarter along with her famed Draped Bust counterparts (i.e. Half Dime, Dime, Half Dollar and Dollar) IMHO are the most beautiful coins ever minted in the United States. While the Stars are weak above and to the left of the Eagle's head, this was fairly common with all Heraldic Eagle Series coins. Although the coin appears well worn, the key points for grading are mostly strong and I believe due to this and due to the rarity of the coin, it could possibly achieve an F-12 grade. At the least, it might only get a VG-10. Due to potential value and because of the history of past sales on eBay for uncertified and graded coins of similar grade (i.e. these sold for a lot less than all Price Guide Values), I believe that it would be in the best interest of the O.P to have the coin certified and graded, especially if they ever decide to sell the coin.
Frank