Is 95kg bad for a 19 year old 5ft 3 girl?

Yes, that is definitely overweight. The rule of thumb for weight in kg is to subtract 100 kg from your size (in cm). 5'3" is about 160 cm which would mean that the ideal weight would be 60kg. This is only a guideline and the BMI is probably a better indicator, but this rule of thumb should give you a rough idea. 95kg is definitely overweight, and by quite a bit at that.