It is not binomial, because you don't have a fixed number of weighings. You weigh the bags till you find the underweight bag. This is a geometric distribution. Let $X$ be the number of weighings required. What is the probability that $X = k$?
Let's see... $X = 1$ if you find the underweight bag in the first weighing itself (and at least one weighing is required, so this is the minimum possible value of $X$). In the first weighing, the probability of getting the underweight bag is $0.04$. So $P(X = 1) = 0.04$.
What is the probability of $X = 2$? Well, $X = 2$ only if you did not find the underweight bag in the first weighing (which has probability $0.96$), and then in the second one, you did (which has probability $0.04$). So $P(X = 2) = 0.96 \times 0.04$.
Similarly, $P(X = 3) = (0.96)^2 0.04$ - two failures and (finally) one success.
In general, $P(X = k) = (0.96)^{k - 1}0.04$.
Now, you need the probability that the number of weighings required to find the underweight bag is at least $20$. That is
$
\begin{align}
P(X \ge 20) & = 1 - P(X < 20)\\
& = 1 - [P(X = 0) + \cdots + P(X = 19)]\\
& = 1 - [0.04 + (0.96)0.04 + (0.96)^2 0.04 + \cdots + (0.96)^{18} 0.04]\\
& = 1 - 0.04\dfrac{1 - (0.96)^{19}}{1 - 0.96}\\
& = 1 - [1 - (0.96)^{19}]
\end{align}\\
\boxed{P(X \ge 20) = (0.96)^{19}}
$
Or
$\begin{align}
P(X \ge 20) & = P(X = 20) + P(X = 21) + \cdots\\
& = (0.96)^{19} 0.04 + (0.96)^{20} 0.04 + \cdots\\
& = \dfrac{(0.96)^{19} 0.04}{1 - 0.04}
\end{align}\\
\boxed{P(X \ge 20) = (0.96)^{19}}
$
Or
At least $20$ weighings are required if and only if the first $19$ weighings failed to find the underweight bag. This has probability $\boxed{(0.96)^{19}}$.
Note: This is the shortest solution, but also the least general. It is more important to know the geometric distribution, and understand when to apply it instead of the binomial distribution.