For some reason, I don't really like the brown spot in the middle. I like the grungy feel of it but I think that you can do more to it to have that feeling explode a little more. Overall, it feels incomplete to me.
Maybe tearing around the edges, or maybe burning as mentioned above. The brown stain is a little unrealistic looking... it seems to pop-out strangely. Not sure what it is with that. Maybe more of a crease around the (fold area?) that line in the right-ish section of the picture. You asked for a rating? Banana out of space-time continuum. <---------- ratings are arbitrary.