It looks like it was in water that evaporated it left mineral deposits on the coin. The layer of minerals split and cracked as it dried. You'll see almost the same thing when mud dries around a body of water. It's nothing that happened at the mint so it's PMD as you guessed. What does the obverse look like?
ANA ID: 3203813 - CONECA ID: N-5637 Clean a coin that may be worth collecting? Please DON'T! When in doubt, leave it dirty!!
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