It’s not possible to tell without seeing you on your bike. If you are on a bike with a sloping top tube (some picture examples here, and note that most modern drop bar bikes have sloping or compact top tubes, as well as all MTBs), then having your groin contact the top tube when standing normally is a potential sign that the bike is too big. If you have a road frame whose top tube is parallel to the ground (again, see link for examples), then having no stand over clearance is less informative. The lack of standover clearance per se is not necessarily the issue. The issue is that if the bike's vertical size (i.e. the seat tube length, related to stack, discussed at the link) is high enough to give you zero standover, chances are good that a compact bike will also be too long (formal terms: top tube or reach are too long).
If you didn’t mean your sentence literally, but you were trying to say that you have little stand over clearance, then that by itself is not an issue if the rest of the bike fits correctly. I have short legs relative to my torso, and all my bikes have little standover. While I would probably want more stand over clearance if I were MTBing, I don’t find it necessary for road, gravel, and cyclocross (the latter two are off-road disciplines but the terrain isn’t as rough as MTBs can handle). In normal riding conditions, most people don't get thrown off the saddle into the top tube. This could happen if you break your chain, but assuming proper assembly, non-professional riders shouldn't have the power output to do this.