Cpu overheat with stock cooler?

So i just got a new cpu and motherboard, and i dont have any other cooler apart from the one that come with i5-14400f I used the preinstalled thermal paste and when i boot it, i realized the fan actually work a little too hard. I thought its a normal thing for a stock cooler. I launch games such as valorant and csgo and realized my upgrade doesnt affect the fps much. And then i try to dig up more and turn on the onscreen display of the core temp. Its a whopping 98-99c . Is it normal for a stock cooler to be that bad??