What does your oil temp look like when the coolant is hot? The default way the cluster shows temp pretty much locks the temp at 90c and only moves if it goes way past that; using a scan tool, if you have access to one, will give you a more accurate reading.
It could be a few things,
Temp sensor
Thermostat
Thermo fan or fan controller
Water pump
A bidirectional scan tool can trigger the fans to test them.
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