The word "talky" is a modern English formation built upon the native Germanic verb "talk," which itself evolved from Old English roots related to telling a story or recounting. The suffix "-y," also of Old English origin, is a versatile adjectival ending that conveys the sense of "full of" or "having the quality of." When combined, the literal construction "characterized by talk" directly yields the modern meaning of being overly verbose or inclined to speak at length. This transparent compounding showcases the ongoing productivity of native English word-formation patterns to create descriptive terms.

Structure: talk (to speak) + y (adjective-forming suffix) - talk: From Middle English talken, talkien, likely from Old English talu ("tale, story") or related to Old English tellan ("to tell, recount"). Its functional role is the core semantic root, meaning "to speak". - y: A productive English suffix of Germanic origin (Old English -ig), used to form adjectives meaning "characterized by" or "inclined to".