We seek the thermometer reading that delineates the largest 4% of a normal distribution with a mean of mu = 0.00 and a standard deviation of sigma = 1.00.
The z statistic is
z = (x - mu)/sigma, the number of standard deviations by which x differs from mu.
The cumulative normal distribution has its 96%tile (thus only 4% of the values are larger) when
z = 1.74, so we can calculate the corresponding temperature from
x = (sigma) (1.74) + mu = (1)(1.74) + 0 = 1.74 oC