There are examples as such but it's inaccurate to say that all racists are like that. Most aren't. Most racists are unidentifiable and lead ordinary lives and don't seek to mistreat anyone. Every racist I've met has kids, a profession, and behaves and lives ordinarily. They simply want to deal with their own. They might even dislike other kinds. But in the end they simply want to associate with a preferred kind and they don't want to take on other people's problems and they don't expect vice versa.
Then using the term "racism" is probably an inaccurate term to use and really offers nothing to the conversation (I know you were not the one who originally used the term racist in this thread).
What you're describing is the difference between prejudice (affective state), stereotypes (cognitive state), and discrimination (behavioral state). One can hold a prejudice and stereotype without necessarily engaging in discriminatory acts. One can hold a stereotype without exhibiting prejudice. It sounds like you're saying is that one can hold affective and cognitive viewpoints about race without necessarily engaging in discrimination. I agree with this.
The link between prejudice, stereotype and discrimination is a much more useful discussion to have than just saying "racism" is a good or bad thing.
The question is can one be considered racist on an affective and cognitive level without discriminating?