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See, the other stores don't come into play, as I see it. It's simply the act of showing preference for something or someone due to a shared race, which is the problem.
Often times it is merely an acknowledgment of need (e.g., he's black, so he and his family are more likely to need it)-- even if, for example, I am poor, and my parents are poor, primarily by virtue of being white, I'm more likely to be related to or close to someone who has the money and desire to help me out of a jam.
But moreover it's a matter of representation. People of not only your race, but your shared culture, are more likely to cater to the services and values that are important to you. That can lead to an increased likelihood to stock or produce products that are important to you (much like supporting a local store that provides fringe music that you like even if you can get other albums you like at a more successful, mainstream store for cheaper). In some cases, the products and services are related directly TO the race or the culture of the race.
It can also be a reflection of comfort and/or customer service. We know, for example, that due to perceptions of being unwelcome, minorities often do not use public facilities and services, especially when those places are in "white" neighborhoods and staffed by white people. Also, most people have their own conception of ideal customer service-- they want someone friendly, but there's also too friendly and not friendly enough. Do you want to go to an establishment where the atmosphere is more casual, fun, and occasionally boisterous, or a more "professional" place where the people generally only engage with you as necessary and otherwise don't bother you? Sometimes that's the difference between establishments operated by different races, and there's nothing wrong with being more comfortable than one over the other, or wanting the one that is more familiar to you culturally to succeed.
I'm tl;dr'ing again, but since you might actually read it: My SO's mother had surgery recently in Chicago, in an area where there's a large Indian population (India, not Native American). She had to share a room with an Indian woman, who had nearly a dozen of her friends and family in the room. She didn't want many visitors and was bothered by their presence because she was trying to rest and recover, understandably. Some people she just didn't want to see her in the state she was in. But to the Indian family, the presence of that many people meant being valued and cared for (though evidently the woman wasn't even sick, but probably wanted rest or attention). This actually resulted in hostility as the cultures clashed.
So if there were separate "white" and "Indian" hospitals, would it be racism for one to prefer the one catering largely to your race, by your race? The fact is that you are more likely to prefer a business in part BECAUSE of the race and culture of the people who work there, even setting prejudices aside.
White people are even less likely to understand because ignorance of other cultures can be viewed as an opportunity to learn about them, which can be a positive experience. Minorities, on the other hand, are often already relatively familiar with the majority culture even if they don't have much firsthand experience with it.
