It's probably best to think of it this way, when you say Black are you talking with that person, about a community they feel they are part of.

Or are you talking at that person, and being the factor that is discriminating that they are different than others. Or even in Private being forceful to let them know they are different, even if it's meant to be friendly.

When you say "Black People", the "Black Community", are you at your White dinner table? And what are your kids learning from your Tone and Perception? That's how you figure out if it's Racist.